Side-by-side · Q2 2026 data
Great Oaks Bank vs South Georgia Bank
Metric by metric
| Measure | Great Oaks Bank | South Georgia Bank |
|---|---|---|
| TellerScore | 76 | 81 (stronger) |
| Capital cushion | 53 | 56 (stronger) |
| Loan quality | 97 (stronger) | 95 |
| Earnings | 77 | 94 (stronger) |
| Funding & liquidity | 73 | 81 (stronger) |
| Problem-loan coverage | 99 (stronger) | 98 |
| Peer percentile | 64th | 80th |
| Total assets | $422.0M | $269.5M |
| Deposits / shares | $374.4M | $241.3M |
| Capital ratio | 10.25% | 10.60% (stronger) |
| Problem loans | 0.10% (stronger) | 0.16% |
| Net charge-offs | -0.01% (stronger) | 0.24% |
| Return on assets | 1.42% | 1.85% (stronger) |
| Loans ÷ deposits | 73.2% | 55.4% (stronger) |
| Uninsured deposits | 27.4% (stronger) | 32.4% |
| Offices | 6 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 17.7% | 2.4% |
South Georgia Bank has the higher TellerScore (81 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Great Oaks Bank leads on 3 and South Georgia Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.