South Georgia Banking Company
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
$570.1MAssets
$398.9MLoans
$487.6MDeposits
$79.5MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 80% of banks under $1B in assets in GA (rank 12 of 59).
- Widest gap: net charge-offs / loans trails 60% of banks under $1B in assets in GA (rank 36 of 58).
- Overall: at or above the peer median on 6 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $15.0M · efficiency ratio beats 42% of banks under $1B in assets in GA | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 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 |