Side-by-side · Q2 2026 data
Bank of Alapaha vs South Georgia Banking Company
Metric by metric
| Measure | Bank of Alapaha | South Georgia Banking Company |
|---|---|---|
| TellerScore | 69 | 85 (stronger) |
| Capital cushion | 52 | 89 (stronger) |
| Loan quality | 89 (stronger) | 82 |
| Earnings | 46 | 85 (stronger) |
| Funding & liquidity | 84 (stronger) | 75 |
| Problem-loan coverage | 96 (stronger) | 94 |
| Peer percentile | 40th | 88th |
| Total assets | $251.0M | $570.1M |
| Deposits / shares | $230.0M | $487.6M |
| Capital ratio | 10.23% | 13.86% (stronger) |
| Problem loans | 0.34% (stronger) | 0.55% |
| Net charge-offs | -0.11% (stronger) | 0.06% |
| Return on assets | 0.65% | 1.63% (stronger) |
| Loans ÷ deposits | 53.8% (stronger) | 80.9% |
| Uninsured deposits | 29.7% | 18.6% (stronger) |
| Offices | 4 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 6.6% |
South Georgia Banking Company has the higher TellerScore (85 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Bank of Alapaha leads on 3 and South Georgia Banking Company on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.