Omega, GA · Cert 20198 · South Georgia Bank Holding Co.
State charter, non-member · FDIC · 8 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in GA (n=58 to 59). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
62
Asset Quality
40
Profitability
67
Liquidity
59
Efficiency
42
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Omega, GA · Cert 20198 · South Georgia Bank Holding Co.
State charter, non-member · FDIC · 8 branches
Q2 2026
Market Position · Albany, GA · 2026 SOD (annual) · 0.9% share · #13 of 15 inst. · $0.0B of $3.3B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.58% | 1.50% | 1.36% | 1.37% | 1.36% | 1.13% | 1.53% | 1.63% | +26 bps | |
| Return on Equity | 13.19% | 12.59% | 11.36% | 11.08% | 10.79% | 9.00% | 12.06% | 12.42% | +134 bps | |
| Net Interest Margin | 4.76% | 4.63% | 4.65% | 4.69% | 4.79% | 4.60% | 4.67% | 4.82% | +12 bps | |
| Efficiency Ratio | 62.10% | 63.69% | 66.69% | 66.90% | 67.03% | 67.65% | 62.39% | 61.25% | -564 bps | |
| Non-Interest Burden | 2.53% | 2.56% | 2.78% | 2.82% | 2.89% | 2.81% | 2.56% | 2.58% | -24 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.73% | -4.16% | -0.21% | -0.06% | 1.62% | 5.52% | 2.36% | 2.39% | +244 bps | |
| Loan Growth (YoY) | 2.83% | -1.19% | 5.49% | 4.73% | 5.63% | 12.60% | 10.00% | 13.24% | +852 bps | |
| Deposit Growth (YoY) | -9.03% | -5.17% | -1.02% | -0.78% | 1.20% | 4.77% | 1.45% | 1.29% | +207 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.49% | 0.11% | 0.06% | 0.12% | 0.12% | 0.54% | 0.74% | 0.55% | +43 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.03% | 0.06% | 0.05% | 0.06% | 0.53% | 0.07% | 0.06% | +1 bps | |
| Allowance / Loans | 1.43% | 1.46% | 1.38% | 1.38% | 1.36% | 1.20% | 1.16% | 1.12% | -26 bps | |
| Allowance Coverage of NPLs | 2.9x | 13.5x | 22.8x | 11.2x | 11.2x | 2.2x | 1.6x | 2.0x | -9.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.61% | 12.74% | 12.89% | 13.31% | 13.88% | 13.13% | 13.24% | 13.86% | +54 bps | |
| Total Risk-Based Capital | 19.43% | 18.70% | 18.62% | 19.07% | 19.41% | 18.11% | 18.62% | 18.95% | -11 bps | |
| Equity / Assets | 13.37% | 11.72% | 12.24% | 13.04% | 13.65% | 12.37% | 13.01% | 13.94% | +90 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 72.19% | 65.17% | 69.18% | 73.18% | 75.35% | 70.04% | 75.01% | 81.82% | +864 bps | |
| Liquid Assets / Assets | 4.06% | 9.04% | 6.18% | 4.76% | 4.43% | 5.09% | 4.19% | 0.81% | -394 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 191.77% | 211% | 222% | n/a | n/a | |
Omega, GA · Cert 20198 · Peer group: banks under $1B in assets in GA (n=58-59) · South Georgia Bank Holding Co.
State charter, non-member · FDIC · 8 branches
Q2 2026
Return on Assets
1.68%
Rank 18 of 59
Net Interest Margin
4.82%
Rank 12 of 59
Efficiency Ratio
61.25%
Rank 35 of 59
Equity / Assets
13.94%
Rank 17 of 59
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.68% | 0.94% | 1.46% | 1.76% | Beats 69% | 18 / 59 | ||
| Return on Equity | 12.04% | 7.92% | 11.60% | 15.10% | Beats 53% | 28 / 59 | ||
| Net Interest Margin | 4.82% | 3.66% | 4.24% | 4.75% | Beats 80% | 12 / 59 | ||
| Efficiency Ratio | 61.25% | 51.87% | 60.25% | 70.24% | Beats 42% | 35 / 59 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.56% | 0.10% | 0.36% | 0.89% | Beats 40% | 36 / 58 | ||
| Net Charge-Offs / Loans | 0.03% | 0.00% | 0.02% | 0.05% | Beats 40% | 36 / 58 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 17.89% | 11.93% | 15.65% | 21.05% | Beats 58% | 25 / 59 | ||
| Total Risk-Based Capital Ratio | 18.95% | 12.05% | 15.77% | 22.26% | Beats 58% | 25 / 59 | ||
| Equity / Assets | 13.94% | 9.10% | 11.51% | 14.32% | Beats 71% | 17 / 59 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 81.82% | 59.62% | 72.81% | 85.44% | 67th pctl | 19 / 58 | ||
| Loans / Assets | 69.98% | 49.55% | 64.39% | 73.73% | 68th pctl | 19 / 59 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||