Side-by-side · Q2 2026 data
First State Bank vs South Georgia Bank
Metric by metric
| Measure | First State Bank | South Georgia Bank |
|---|---|---|
| TellerScore | 77 | 81 (stronger) |
| Capital cushion | 55 | 56 (stronger) |
| Loan quality | 89 | 95 (stronger) |
| Earnings | 93 | 94 (stronger) |
| Funding & liquidity | 67 | 81 (stronger) |
| Problem-loan coverage | 95 | 98 (stronger) |
| Peer percentile | 68th | 80th |
| Total assets | $512.7M | $269.5M |
| Deposits / shares | $444.8M | $241.3M |
| Capital ratio | 10.53% | 10.60% (stronger) |
| Problem loans | 0.32% | 0.16% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.24% |
| Return on assets | 1.84% | 1.85% (stronger) |
| Loans ÷ deposits | 93.5% | 55.4% (stronger) |
| Uninsured deposits | 14.6% (stronger) | 32.4% |
| Offices | 6 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.6% | 2.4% |
South Georgia Bank has the higher TellerScore (81 vs 77). On the 7 directional measures above (where higher or lower is clearly better), First State Bank leads on 2 and South Georgia Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.