Georgia First Bank is a state-chartered bank headquartered in Soperton, Georgia, in business for about 123 years. At the end of Q2 2026 it reported $290.8M in total assets and $259.5M in deposits, with 3 offices.
Georgia First Bank has a TellerScore of 75 out of 100 (strong) based on Q2 2026 data — higher than 61% of its 2,650 banks with $100 million – $1 billion. Among 124 banks headquartered in Georgia, it ranks 62nd. Problem-loan coverage contributes the most (99/100, 0.5%); capital cushion contributes the least (45/100, 9.52%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 7 points (68 → 75), mostly because the loan quality component improved by 25 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 72 |
| Q3 2024 | 68 |
| Q4 2024 | 68 |
| Q1 2025 | 67 |
| Q2 2025 | 68 |
| Q3 2025 | 72 |
| Q4 2025 | 72 |
| Q1 2026 | 76 |
| Q2 2026 | 75 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.15% |
| Q3 2024 | 9.52% |
| Q4 2024 | 9.36% |
| Q1 2025 | 9.37% |
| Q2 2025 | 9.23% |
| Q3 2025 | 9.86% |
| Q4 2025 | 9.76% |
| Q1 2026 | 9.67% |
| Q2 2026 | 9.52% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.34% |
| Q3 2024 | 0.87% |
| Q4 2024 | 0.90% |
| Q1 2025 | 0.89% |
| Q2 2025 | 0.82% |
| Q3 2025 | 0.64% |
| Q4 2025 | 0.63% |
| Q1 2026 | 0.07% |
| Q2 2026 | 0.07% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.85% |
| Q3 2024 | 1.84% |
| Q4 2024 | 1.78% |
| Q1 2025 | 1.56% |
| Q2 2025 | 1.93% |
| Q3 2025 | 1.99% |
| Q4 2025 | 1.95% |
| Q1 2026 | 1.78% |
| Q2 2026 | 1.86% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 75 | $290.8M | 9.52% | 0.07% | 1.86% | 93.1% |
| Q1 2026 | 76 | $295.7M | 9.67% | 0.07% | 1.78% | 85.9% |
| Q4 2025 | 72 | $275.1M | 9.76% | 0.63% | 1.95% | 89.0% |
| Q3 2025 | 72 | $257.9M | 9.86% | 0.64% | 1.99% | 93.3% |
| Q2 2025 | 68 | $255.3M | 9.23% | 0.82% | 1.93% | 87.2% |
| Q1 2025 | 67 | $254.4M | 9.37% | 0.89% | 1.56% | 76.9% |
| Q4 2024 | 68 | $228.7M | 9.36% | 0.90% | 1.78% | 83.2% |
| Q3 2024 | 68 | $212.2M | 9.52% | 0.87% | 1.84% | 91.1% |
| Q2 2024 | 72 | $204.8M | 9.15% | 0.34% | 1.85% | 91.2% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Georgia
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Farmers & Merchants BankBank Eatonton, GA | 66 out of 100, Moderate | $289.6M | 11.2% | 0.74% | vs |
| Community Banking CompanyBank Fitzgerald, GA | 77 out of 100, Strong | $297.3M | 11.3% | 0.64% | vs |
| Durden Banking Company, IncorporatedBank Twin City, GA | 92 out of 100, Very strong | $299.2M | 16.2% | 0.11% | vs |
| First Federal Savings and Loan Association of ValdostaBank Valdosta, GA | 57 out of 100, Moderate | $278.5M | 12.3% | 1.79% | vs |
| The Claxton BankBank Bellville, GA | 50 out of 100, Below average | $304.8M | 12.6% | 2.51% | vs |
| Craft BankBank Atlanta, GA | 68 out of 100, Moderate | $305.9M | 13.8% | 1.61% | vs |
Deposit insurance
Is my money safe at Georgia First Bank?
Yes. Georgia First Bank is an FDIC-insured institution (FDIC certificate #889). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 27.6% of deposits ($71.7M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.52%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.91% (benchmark: 10%).
3 locations
Branches
Georgia First Bank lists 3 offices in 3 cities. Most locations:
- Dublin, GA (1)
- Soperton, GA (1)
- Vidalia, GA (1)
Identity & history
Profile
- Legal name
- Georgia First Bank
- Former names
- The Bank of Soperton
- Type
- State-chartered bank
- FDIC certificate #
- 889
- RSSD ID
- 260831
- Primary regulator
- FDIC
- Holding company
- Soperton Bancshares Inc
- Established
- June 1, 1903
- Headquarters
- 1202 Second St, Soperton, GA 30457
- Website
- georgiafirst.bank
- Employees
- 49
Quick answers
Georgia First Bank: common questions
Is Georgia First Bank FDIC insured?
Yes. Georgia First Bank is an FDIC-insured institution (FDIC certificate #889). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Georgia First Bank's TellerScore?
75 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Georgia First Bank ever failed?
There is no failure record for FDIC certificate #889 in the FDIC failed bank list.
How many branches does Georgia First Bank have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Soperton
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Robins Financial Credit UnionCredit union Warner Robins, GA | 94 out of 100, Very strong | $5.0B | 17.6% | 0.40% | vs |
| Sunmark Community BankBank Perry, GA | 92 out of 100, Very strong | $556.6M | 14.6% | 0.02% | vs |
| Durden Banking Company, IncorporatedBank Twin City, GA | 92 out of 100, Very strong | $299.2M | 16.2% | 0.11% | vs |
| The Citizens Bank of CochranBank Cochran, GA | 90 out of 100, Very strong | $201.4M | 14.8% | 0.33% | vs |
| Farmers State BankBank Dublin, GA | 90 out of 100, Very strong | $156.2M | 13.9% | 0.28% | vs |
| The Citizens Bank of SwainsboroBank Swainsboro, GA | 82 out of 100, Strong | $420.5M | 12.3% | 0.36% | vs |