Headquartered in Glennville, Georgia, South Georgia Bank is a state-chartered bank with $269.5M in total assets and $241.3M in deposits as of Q2 2026. It operates 5 offices. Its charter dates back to 1987.
South Georgia Bank has a TellerScore of 81 out of 100 (strong) based on Q2 2026 data — higher than 80% of its 2,650 banks with $100 million – $1 billion. Among 124 banks headquartered in Georgia, it ranks 37th. Problem-loan coverage contributes the most (98/100, 0.8%); capital cushion contributes the least (56/100, 10.60%).
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 (74 → 81), mostly because the loan quality component improved by 30 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 86 |
| Q3 2024 | 86 |
| Q4 2024 | 83 |
| Q1 2025 | 74 |
| Q2 2025 | 74 |
| Q3 2025 | 74 |
| Q4 2025 | 69 |
| Q1 2026 | 76 |
| Q2 2026 | 81 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.70% |
| Q3 2024 | 11.81% |
| Q4 2024 | 11.68% |
| Q1 2025 | 11.43% |
| Q2 2025 | 10.70% |
| Q3 2025 | 10.61% |
| Q4 2025 | 10.68% |
| Q1 2026 | 10.66% |
| Q2 2026 | 10.60% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.24% |
| Q3 2024 | 0.29% |
| Q4 2024 | 0.58% |
| Q1 2025 | 1.27% |
| Q2 2025 | 1.06% |
| Q3 2025 | 1.01% |
| Q4 2025 | 1.51% |
| Q1 2026 | 0.76% |
| Q2 2026 | 0.16% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.98% |
| Q3 2024 | 1.99% |
| Q4 2024 | 1.98% |
| Q1 2025 | 1.82% |
| Q2 2025 | 1.87% |
| Q3 2025 | 1.88% |
| Q4 2025 | 1.88% |
| Q1 2026 | 1.86% |
| Q2 2026 | 1.85% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 81 | $269.5M | 10.60% | 0.16% | 1.85% | 55.4% |
| Q1 2026 | 76 | $262.5M | 10.66% | 0.76% | 1.86% | 56.9% |
| Q4 2025 | 69 | $256.1M | 10.68% | 1.51% | 1.88% | 60.4% |
| Q3 2025 | 74 | $251.9M | 10.61% | 1.01% | 1.88% | 59.7% |
| Q2 2025 | 74 | $249.5M | 10.70% | 1.06% | 1.87% | 56.8% |
| Q1 2025 | 74 | $239.0M | 11.43% | 1.27% | 1.82% | 54.8% |
| Q4 2024 | 83 | $228.8M | 11.68% | 0.58% | 1.98% | 56.9% |
| Q3 2024 | 86 | $221.1M | 11.81% | 0.29% | 1.99% | 60.7% |
| Q2 2024 | 86 | $218.0M | 11.70% | 0.24% | 1.98% | 59.1% |
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 |
|---|---|---|---|---|---|
| Community Bank of GeorgiaBank Baxley, GA | 74 out of 100, Strong | $269.5M | 11.0% | 1.05% | vs |
| The Peoples BankBank Eatonton, GA | 79 out of 100, Strong | $269.7M | 11.7% | 0.00% | vs |
| South Coast Bank & TrustBank Brunswick, GA | 72 out of 100, Strong | $269.8M | 9.9% | 0.49% | vs |
| Ab&tBank Albany, GA | 83 out of 100, Strong | $261.2M | 11.8% | 0.00% | vs |
| First Federal Savings and Loan Association of ValdostaBank Valdosta, GA | 57 out of 100, Moderate | $278.5M | 12.3% | 1.79% | vs |
| The Peoples Bank of GeorgiaBank Talbotton, GA | 71 out of 100, Strong | $252.3M | 9.6% | 0.32% | vs |
Deposit insurance
Is my money safe at South Georgia Bank?
Yes. South Georgia Bank is an FDIC-insured institution (FDIC certificate #32532). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 32.4% of deposits ($78.1M) 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 10.60%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 21.84% (benchmark: 10%).
5 locations
Branches
South Georgia Bank lists 5 offices in 5 cities. Most locations:
- Augusta, GA (1)
- Claxton, GA (1)
- Glennville, GA (1)
- Hinesville, GA (1)
- Reidsville, GA (1)
HMDA 2025
Mortgage lending
In 2025, South Georgia Bank reported 134 home-loan applications under HMDA (LEI 254900W6YNVUG39YQI51): 123 originated ($23,205,000 total), 3 denied, and 7 withdrawn or closed by the applicant. Its denial rate on decided applications was 2.4%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- South Georgia Bank
- Former names
- South Georgia Federal Savings Bank; South Georgia Bank, FSB
- Type
- State-chartered bank
- FDIC certificate #
- 32532
- RSSD ID
- 995571
- Primary regulator
- FDIC
- Holding company
- South Group Bancshares Inc
- Established
- April 7, 1987
- Headquarters
- 401 S Veterans Blvd, Glennville, GA 30427
- Website
- www.southgabank.com
- Employees
- 47
Quick answers
South Georgia Bank: common questions
Is South Georgia Bank FDIC insured?
Yes. South Georgia Bank is an FDIC-insured institution (FDIC certificate #32532). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is South Georgia Bank's TellerScore?
81 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 South Georgia Bank ever failed?
There is no failure record for FDIC certificate #32532 in the FDIC failed bank list.
How many branches does South Georgia Bank have?
5 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Glennville
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Southeastern BankBank Darien, GA | 86 out of 100, Very strong | $624.9M | 13.4% | 0.38% | vs |
| Glennville BankBank Glennville, GA | 73 out of 100, Strong | $444.2M | 11.0% | 1.09% | vs |
| Ameris BankBank Atlanta, GA | 67 out of 100, Moderate | $28.4B | 11.4% | 0.57% | vs |
| Renasant BankBank Tupelo, MS | 64 out of 100, Moderate | $27.0B | 10.7% | 0.96% | vs |
| Vidalia Federal Savings BankBank Vidalia, GA | 64 out of 100, Moderate | $212.0M | 12.0% | 0.79% | vs |
| Queensborough National Bank & Trust CompanyBank Louisville, GA | 62 out of 100, Moderate | $2.3B | 8.6% | 0.59% | vs |