South Georgia Bank
Glennville, GA · Cert 32532 · Peer group: banks under $1B in assets in GA (n=58-59) · South Group Bancshares Inc.
State charter, non-member · FDIC · 5 branches
Q2 2026
$269.5MAssets
$137.2MLoans
$241.3MDeposits
$23.9MEquity
Executive Summary
- Strongest standing: return on equity outperforms 83% of banks under $1B in assets in GA (rank 10 of 59).
- Widest gap: net charge-offs / loans trails 93% of banks under $1B in assets in GA (rank 55 of 58).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.45%
Rank 31 of 59
Net Interest Margin
4.04%
Rank 36 of 59
Efficiency Ratio
52.88%
Rank 16 of 59
Equity / Assets
8.86%
Rank 47 of 59
Non-interest income vs. expense
Unfavorable gap of $4.9M · efficiency ratio beats 75% 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 | 1.45% | 0.94% | 1.46% | 1.76% | Beats 47% | 31 / 59 | |
| Return on Equity | 16.43% | 7.92% | 11.60% | 15.10% | Beats 83% | 10 / 59 | |
| Net Interest Margin | 4.04% | 3.66% | 4.24% | 4.75% | Beats 39% | 36 / 59 | |
| Efficiency Ratio | 52.88% | 51.87% | 60.25% | 70.24% | Beats 75% | 16 / 59 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.16% | 0.10% | 0.36% | 0.89% | Beats 67% | 20 / 58 | |
| Net Charge-Offs / Loans | 0.25% | 0.00% | 0.02% | 0.05% | Beats 7% | 55 / 58 | |
| Capital |
| Tier 1 Capital Ratio | 20.57% | 11.93% | 15.65% | 21.05% | Beats 69% | 18 / 59 | |
| Total Risk-Based Capital Ratio | 21.84% | 12.05% | 15.77% | 22.26% | Beats 71% | 17 / 59 | |
| Equity / Assets | 8.86% | 9.10% | 11.51% | 14.32% | Beats 20% | 47 / 59 | |
| Liquidity & Funding |
| Loans / Deposits | 56.85% | 59.62% | 72.81% | 85.44% | 19th pctl | 47 / 58 | |
| Loans / Assets | 50.90% | 49.55% | 64.39% | 73.73% | 27th pctl | 43 / 59 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |