Pineland Bank is a state-chartered bank headquartered in Alma, Georgia, in business for about 87 years. At the end of Q2 2026 it reported $597.1M in total assets and $532.6M in deposits, with 9 offices across 2 states.
Based on its Q2 2026 filing, Pineland Bank scores 75/100, which we describe as strong. That is higher than 61% of 2,650 banks with $100 million – $1 billion. Among 124 banks headquartered in Georgia, it ranks 61st. Its strongest component is problem-loan coverage (94/100; 3.1%), and its lowest is capital cushion (55/100; 10.48%).
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 8 points (67 → 75), mostly because the capital cushion component improved by 12 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 61 |
| Q3 2024 | 67 |
| Q4 2024 | 65 |
| Q1 2025 | 68 |
| Q2 2025 | 67 |
| Q3 2025 | 66 |
| Q4 2025 | 59 |
| Q1 2026 | 77 |
| Q2 2026 | 75 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.65% |
| Q3 2024 | 9.73% |
| Q4 2024 | 9.32% |
| Q1 2025 | 9.29% |
| Q2 2025 | 9.28% |
| Q3 2025 | 9.44% |
| Q4 2025 | 9.75% |
| Q1 2026 | 10.31% |
| Q2 2026 | 10.48% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.42% |
| Q3 2024 | 0.77% |
| Q4 2024 | 0.88% |
| Q1 2025 | 0.79% |
| Q2 2025 | 0.81% |
| Q3 2025 | 0.95% |
| Q4 2025 | 1.86% |
| Q1 2026 | 0.08% |
| Q2 2026 | 0.49% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.34% |
| Q3 2024 | 1.32% |
| Q4 2024 | 1.36% |
| Q1 2025 | 1.49% |
| Q2 2025 | 1.49% |
| Q3 2025 | 1.56% |
| Q4 2025 | 1.61% |
| Q1 2026 | 1.67% |
| Q2 2026 | 1.66% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 75 | $597.1M | 10.48% | 0.49% | 1.66% | 78.2% |
| Q1 2026 | 77 | $569.6M | 10.31% | 0.08% | 1.67% | 81.1% |
| Q4 2025 | 59 | $569.9M | 9.75% | 1.86% | 1.61% | 78.2% |
| Q3 2025 | 66 | $573.3M | 9.44% | 0.95% | 1.56% | 80.7% |
| Q2 2025 | 67 | $578.9M | 9.28% | 0.81% | 1.49% | 76.0% |
| Q1 2025 | 68 | $555.4M | 9.29% | 0.79% | 1.49% | 78.0% |
| Q4 2024 | 65 | $533.9M | 9.32% | 0.88% | 1.36% | 77.8% |
| Q3 2024 | 67 | $487.8M | 9.73% | 0.77% | 1.32% | 81.8% |
| Q2 2024 | 61 | $483.0M | 9.65% | 1.42% | 1.34% | 79.9% |
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 |
|---|---|---|---|---|---|
| Guardian BankBank Valdosta, GA | 65 out of 100, Moderate | $597.9M | 11.5% | 1.49% | vs |
| The Citizens Bank of GeorgiaBank Cumming, GA | 85 out of 100, Very strong | $598.5M | 11.5% | 0.00% | vs |
| First Port City BankBank Bainbridge, GA | 66 out of 100, Moderate | $623.9M | 10.5% | 1.04% | vs |
| South Georgia Banking CompanyBank Omega, GA | 85 out of 100, Very strong | $570.1M | 13.9% | 0.55% | vs |
| Southeastern BankBank Darien, GA | 86 out of 100, Very strong | $624.9M | 13.4% | 0.38% | vs |
| Community Bank of Pickens CountyBank Jasper, GA | 73 out of 100, Strong | $628.6M | 13.6% | 1.96% | vs |
Deposit insurance
Is my money safe at Pineland Bank?
Yes. Pineland Bank is an FDIC-insured institution (FDIC certificate #15699). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 26.3% of deposits ($140.2M) 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 10.48%, 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
Pineland Bank lists 7 offices in 7 cities across 2 states. Most locations:
- Alma, GA (1)
- Baxley, GA (1)
- Douglas, GA (1)
- Fernandina Beach, FL (1)
- Kingsland, GA (1)
- Metter, GA (1)
- Saint Marys, GA (1)
Identity & history
Profile
- Legal name
- Pineland Bank
- Former names
- Alma Exchange Bank & Trust; Alma Exchange Bank
- Type
- State-chartered bank
- FDIC certificate #
- 15699
- RSSD ID
- 6039
- Primary regulator
- FDIC
- Holding company
- South Banking Co
- Established
- October 1, 1939
- Headquarters
- 501 W 12th St, Alma, GA 31510
- Website
- www.pineland.bank
- Employees
- 97
Quick answers
Pineland Bank: common questions
Is Pineland Bank FDIC insured?
Yes. Pineland Bank is an FDIC-insured institution (FDIC certificate #15699). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Pineland 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 Pineland Bank ever failed?
There is no failure record for FDIC certificate #15699 in the FDIC failed bank list.
How many branches does Pineland Bank have?
9 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Alma
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Fnb SouthBank Alma, GA | 95 out of 100, Very strong | $734.8M | 16.2% | 0.00% | vs |
| Interstate Credit UnionCredit union Jesup, GA | 89 out of 100, Very strong | $410.9M | 15.8% | 0.54% | vs |
| Douglas National BankBank Douglas, GA | 78 out of 100, Strong | $326.9M | 10.3% | 0.10% | vs |
| Community Bank of GeorgiaBank Baxley, GA | 74 out of 100, Strong | $269.5M | 11.0% | 1.05% | vs |
| The Peoples BankBank Willacoochee, GA | 73 out of 100, Strong | $109.3M | 12.4% | 0.89% | vs |
| First National Bank of Coffee CountyBank Douglas, GA | 70 out of 100, Strong | $547.5M | 8.8% | 0.24% | vs |