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Northeast Georgia Bank
Lavonia, GA · FDIC Certificate #15771 · Chartered 01/0
Total assets
$650.60M
Total deposits
$562.95M
Total equity
$81.13M
Net loans
$332.71M
Branches (offices)
9
Net income (YTD)
$8.43M
Rank: #1,456 of 4,213 U.S. banks by assets · #24 of 123 in Georgia. Assets changed 2.5% and deposits 1.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.59% |
| Return on equity | 20.63% |
| Net interest margin (YTD) | 4.72% |
| Equity to assets | 12.47% |
| Tier 1 leverage ratio | 13.41% |
| Uninsured deposits (share of deposits) | 26.3% |
| Noncurrent loans (share of loans) | 0.01% |
| Net charge-offs (share of loans) | 0.07% |
| Loans to deposits | 59.1% |
| Real estate loans (share of loans) | 86.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $287.51M | 86.4% | |
| Commercial & industrial | $26.50M | 8.0% | |
| Consumer / individual | $11.63M | 3.5% | |
| Construction & development | $68.34M | 20.5% | |
| Agricultural | $6.60M | 2.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $631.64M | $573.46M | $3.33M | $51.15M |
| Jun 2023 | $607.34M | $547.03M | $7.33M | $54.81M |
| Jun 2024 | $607.51M | $538.31M | $7.62M | $64.20M |
| Jun 2025 | $634.70M | $552.40M | $8.21M | $75.01M |
| Jun 2026 | $650.60M | $562.95M | $8.43M | $81.13M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Georgia | $562.95M | 9 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $562.95M.
Similar-sized banks
Stockmens Bank ($650.80M) · First Eagle Bank ($649.62M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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