Northeast Georgia Bank is a state-chartered bank headquartered in Lavonia, Georgia, in business for about 92 years. At the end of Q2 2026 it reported $650.6M in total assets and $562.9M in deposits, with 9 offices.
Northeast Georgia Bank has a TellerScore of 93 out of 100 (very strong) based on Q2 2026 data — higher than 98% of its 2,650 banks with $100 million – $1 billion. Among 124 banks headquartered in Georgia, it ranks 7th. Loan quality contributes the most (100/100, 0.01%); capital cushion contributes the least (84/100, 13.41%).
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 3 points (90 → 93), mostly because the capital cushion component improved by 6 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 88 |
| Q3 2024 | 91 |
| Q4 2024 | 90 |
| Q1 2025 | 88 |
| Q2 2025 | 90 |
| Q3 2025 | 94 |
| Q4 2025 | 95 |
| Q1 2026 | 91 |
| Q2 2026 | 93 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 12.26% |
| Q3 2024 | 12.99% |
| Q4 2024 | 12.89% |
| Q1 2025 | 12.15% |
| Q2 2025 | 12.76% |
| Q3 2025 | 13.65% |
| Q4 2025 | 14.18% |
| Q1 2026 | 12.77% |
| Q2 2026 | 13.41% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.22% |
| Q3 2024 | 0.17% |
| Q4 2024 | 0.16% |
| Q1 2025 | 0.16% |
| Q2 2025 | 0.17% |
| Q3 2025 | 0.03% |
| Q4 2025 | 0.03% |
| Q1 2026 | 0.04% |
| Q2 2026 | 0.01% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 2.46% |
| Q3 2024 | 2.52% |
| Q4 2024 | 2.53% |
| Q1 2025 | 2.50% |
| Q2 2025 | 2.56% |
| Q3 2025 | 2.68% |
| Q4 2025 | 2.81% |
| Q1 2026 | 2.56% |
| Q2 2026 | 2.59% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 93 | $650.6M | 13.41% | 0.01% | 2.59% | 59.1% |
| Q1 2026 | 91 | $650.8M | 12.77% | 0.04% | 2.56% | 57.0% |
| Q4 2025 | 95 | $651.7M | 14.18% | 0.03% | 2.81% | 57.2% |
| Q3 2025 | 94 | $643.4M | 13.65% | 0.03% | 2.68% | 58.5% |
| Q2 2025 | 90 | $634.7M | 12.76% | 0.17% | 2.56% | 56.7% |
| Q1 2025 | 88 | $647.8M | 12.15% | 0.16% | 2.50% | 53.9% |
| Q4 2024 | 90 | $640.1M | 12.89% | 0.16% | 2.53% | 54.2% |
| Q3 2024 | 91 | $616.5M | 12.99% | 0.17% | 2.52% | 54.6% |
| Q2 2024 | 88 | $607.5M | 12.26% | 0.22% | 2.46% | 54.6% |
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 |
|---|---|---|---|---|---|
| First State Bank of BlakelyBank Blakely, GA | 65 out of 100, Moderate | $668.2M | 19.2% | 3.36% | vs |
| Community Bank of Pickens CountyBank Jasper, GA | 73 out of 100, Strong | $628.6M | 13.6% | 1.96% | vs |
| Southeastern BankBank Darien, GA | 86 out of 100, Very strong | $624.9M | 13.4% | 0.38% | vs |
| First Port City BankBank Bainbridge, GA | 66 out of 100, Moderate | $623.9M | 10.5% | 1.04% | vs |
| The Citizens Bank of GeorgiaBank Cumming, GA | 85 out of 100, Very strong | $598.5M | 11.5% | 0.00% | vs |
| Guardian BankBank Valdosta, GA | 65 out of 100, Moderate | $597.9M | 11.5% | 1.49% | vs |
Deposit insurance
Is my money safe at Northeast Georgia Bank?
Yes. Northeast Georgia Bank is an FDIC-insured institution (FDIC certificate #15771). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 26.3% of deposits ($147.8M) 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 13.41%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
9 locations
Branches
Northeast Georgia Bank lists 9 offices in 9 cities. Most locations:
- Braselton, GA (1)
- Carnesville, GA (1)
- Commerce, GA (1)
- Elberton, GA (1)
- Hartwell, GA (1)
- Jefferson, GA (1)
- Lavonia, GA (1)
- Royston, GA (1)
- Toccoa, GA (1)
Identity & history
Profile
- Legal name
- Northeast Georgia Bank
- Type
- State-chartered bank
- FDIC certificate #
- 15771
- RSSD ID
- 888833
- Primary regulator
- FDIC
- Holding company
- First Security Bankshares Inc
- Established
- January 1, 1934
- Headquarters
- 12461 Augusta Rd, Lavonia, GA 30553
- Website
- www.northeastgabank.com
- Employees
- 91
Quick answers
Northeast Georgia Bank: common questions
Is Northeast Georgia Bank FDIC insured?
Yes. Northeast Georgia Bank is an FDIC-insured institution (FDIC certificate #15771). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Northeast Georgia Bank's TellerScore?
93 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Northeast Georgia Bank ever failed?
There is no failure record for FDIC certificate #15771 in the FDIC failed bank list.
How many branches does Northeast Georgia Bank have?
9 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Lavonia
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| S. C. State Federal Credit UnionCredit union Columbia, SC | 91 out of 100, Very strong | $1.5B | 15.6% | 0.82% | vs |
| First Century Bank, National AssociationBank Commerce, GA | 90 out of 100, Very strong | $831.6M | 16.8% | 0.00% | vs |
| The Peoples BankBank Iva, SC | 89 out of 100, Very strong | $446.7M | 12.9% | 0.00% | vs |
| Jm Associates Federal Credit UnionCredit union Jacksonville, FL | 87 out of 100, Very strong | $151.2M | 15.5% | 0.71% | vs |
| The Wright Credit UnionCredit union Toccoa, GA | 84 out of 100, Strong | $16.2M | 17.3% | 0.29% | vs |
| Vallant BankBank Elberton, GA | 78 out of 100, Strong | $4.0B | 12.7% | 0.51% | vs |