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.

The score has been essentially flat from Q2 2025 to Q2 2026 (86 → 85).

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

Yes. South Georgia Banking Company is an FDIC-insured institution (FDIC certificate #20198). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 18.6% of deposits ($90.5M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 13.86%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 18.95% (benchmark: 10%).

Check how much of your own balance is covered

South Georgia Banking Company lists 8 offices in 7 cities. Most locations:

• Tifton, GA (2)
• Ashburn, GA (1)
• Cordele, GA (1)
• Moultrie, GA (1)
• Omega, GA (1)
• Sylvester, GA (1)
• Vienna, GA (1)

All branch addresses and map

In 2025, South Georgia Banking Company reported 164 home-loan applications under HMDA (LEI 5493008P3PCRZRS39T50): 141 originated ($16,555,000 total), 10 denied, and 13 withdrawn or closed by the applicant. Its denial rate on decided applications was 6.6%, 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.

Legal name

South Georgia Banking Company

Type

State-chartered bank

FDIC certificate #

20198

RSSD ID

767732

Primary regulator

FDIC

Holding company

South Georgia Bank Holding Co

Established

June 14, 1937

Headquarters

5515 Alabama Ave, Omega, GA 31775

Website

www.sgbconline.com

Employees

114