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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.36% | 1.37% | 0.49% | 1.53% | 1.72% | +36 bps | |
| Return on Equity | 10.77% | 10.27% | 3.78% | 12.06% | 12.80% | +202 bps | |
| Net Interest Margin | 4.70% | 4.77% | 4.66% | 4.67% | 4.90% | +20 bps | |
| Efficiency Ratio | 67.10% | 67.31% | 69.49% | 62.39% | 60.15% | -696 bps | |
| Non-Interest Burden | 2.84% | 2.89% | 2.94% | 2.56% | 2.57% | -28 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.06% | 1.62% | 5.52% | 2.36% | 2.39% | +244 bps | |
| Loan Growth (YoY) | 4.73% | 5.63% | 12.60% | 10.00% | 13.24% | +852 bps | |
| Deposit Growth (YoY) | -0.78% | 1.20% | 4.77% | 1.45% | 1.29% | +207 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.12% | 0.12% | 0.54% | 0.74% | 0.55% | +43 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.09% | 1.96% | 0.07% | 0.05% | +1 bps | |
| Allowance / Loans | 1.38% | 1.36% | 1.20% | 1.16% | 1.12% | -26 bps | |
| Allowance Coverage of NPLs | 11.2x | 11.2x | 2.2x | 1.6x | 2.0x | -9.1x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 13.31% | 13.88% | 13.13% | 13.24% | 13.86% | +54 bps | |
| Total Risk-Based Capital | 19.07% | 19.41% | 18.11% | 18.62% | 18.95% | -11 bps | |
| Equity / Assets | 13.04% | 13.65% | 12.37% | 13.01% | 13.94% | +90 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 73.18% | 75.35% | 70.04% | 75.01% | 81.82% | +864 bps | |
| Liquid Assets / Assets | 4.76% | 4.43% | 5.09% | 4.19% | 0.81% | -394 bps | |
| CRE / Total Capital | n/a | 191.77% | 211% | 222% | n/a | n/a | |