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 | |