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South Georgia Banking Company
Omega, GA · FDIC Certificate #20198 · Chartered 06/1
Total assets
$570.11M
Total deposits
$487.58M
Total equity
$79.47M
Net loans
$394.46M
Branches (offices)
8
Net income (YTD)
$4.79M
Rank: #1,616 of 4,213 U.S. banks by assets · #31 of 123 in Georgia. Assets changed 2.4% and deposits 1.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.63% |
| Return on equity | 12.42% |
| Net interest margin (YTD) | 5.35% |
| Equity to assets | 13.94% |
| Tier 1 leverage ratio | 13.86% |
| Uninsured deposits (share of deposits) | 18.6% |
| Noncurrent loans (share of loans) | 0.55% |
| Net charge-offs (share of loans) | 0.06% |
| Loans to deposits | 80.9% |
| Real estate loans (share of loans) | 82.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $325.51M | 82.5% | |
| Commercial & industrial | $24.88M | 6.3% | |
| Consumer / individual | $17.17M | 4.4% | |
| Construction & development | $33.49M | 8.5% | |
| Agricultural | $16.82M | 4.3% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $621.75M | $559.21M | $2.38M | $60.69M |
| Jun 2023 | $598.80M | $531.44M | $4.95M | $64.92M |
| Jun 2024 | $557.15M | $485.20M | $4.84M | $69.09M |
| Jun 2025 | $556.82M | $481.40M | $3.88M | $72.59M |
| Jun 2026 | $570.11M | $487.58M | $4.79M | $79.47M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Georgia | $487.58M | 8 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $487.58M.
Similar-sized banks
Rvr Bank ($570.15M) · Hyperion Bank ($569.88M)
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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