| # | Institution | Type | Metro | Assets | Efficiency ratio |
|---|---|---|---|---|---|
| 1 | First City Bank Alpharetta, GA | Bank | Atlanta-Sandy Springs-Alpharetta, GA | $23.0M | 293.75% |
| 2 | Vidalia Federal Savings Bank Vidalia, GA | Bank | Vidalia, GA | $212.0M | 155.70% |
| 3 | Macon-Bibb Employees Credit Union Macon, GA | Credit Union | — | $2.7M | 126.24% |
| 4 | Talbot State Bank Woodland, GA | Bank | Columbus, GA-AL | $51.7M | 123.73% |
| 5 | Harris Employees Credit Union Cordele, GA | Credit Union | — | $626K | 118.61% |
| 6 | Flint River Employees Federal Credit Union Oglethorpe, GA | Credit Union | — | $1.7M | 112.41% |
| 7 | Beka Federal Credit Union Lindale, GA | Credit Union | — | $4.6M | 110.67% |
| 8 | Coffee County Teachers Federal Credit Union Douglas, GA |
| Credit Union |
| — |
| $3.1M |
| 109.72% |
| 9 | First State Bank of Randolph County Cuthbert, GA | Bank | — | $86.9M | 109.30% |
| 10 | Artesian Federal Credit Union Leesburg, GA | Credit Union | — | $29.1M | 106.90% |
| 11 | United Neighborhood Federal Credit Union Augusta, GA | Credit Union | — | $3.0M | 100.74% |
| 12 | On The Grid Financial Federal Credit Union Atlanta, GA | Credit Union | — | $45.3M | 96.75% |
| 13 | Credit Union Of Atlanta Credit Union Atlanta, GA | Credit Union | — | $79.1M | 94.87% |
| 14 | First Bank of Coastal Georgia Pembroke, GA | Bank | Savannah, GA | $215.7M | 92.90% |
| 15 | Berrien Teachers Federal Credit Union Nashville, GA | Credit Union | — | $1.4M | 91.40% |
| 16 | First National Bank of Decatur County Bainbridge, GA | Bank | Bainbridge, GA | $359.6M | 89.31% |
| 17 | The Southern Credit Union Fayetteville, GA | Credit Union | — | $560.2M | 88.97% |
| 18 | Savannah Schools Federal Credit Union Savannah, GA | Credit Union | — | $45.4M | 88.90% |
| 19 | Loyal Trust Bank Johns Creek, GA | Bank | Atlanta-Sandy Springs-Alpharetta, GA | $235.3M | 88.16% |
| 20 | Rochelle State Bank Rochelle, GA | Bank | — | $85.6M | 88.06% |
| 21 | North Georgia Credit Union Toccoa, GA | Credit Union | — | $121.7M | 87.63% |
| 22 | Bank of Hancock County Sparta, GA | Bank | Milledgeville, GA | $85.2M | 87.27% |
| 23 | Omega Psi Phi Fraternity Federal Credit Union Toccoa, GA | Credit Union | — | $5.5M | 85.97% |
| 24 | The Claxton Bank Bellville, GA | Bank | — | $304.8M | 84.56% |
| 25 | Apex Banking Company of Georgia Cleveland, GA | Bank | — | $72.6M | 84.55% |