Side-by-side · Q2 2026 data
Security Federal Bank vs South Georgia Bank
Metric by metric
| Measure | Security Federal Bank | South Georgia Bank |
|---|---|---|
| TellerScore | 69 | 81 (stronger) |
| Capital cushion | 58 (stronger) | 56 |
| Loan quality | 72 | 95 (stronger) |
| Earnings | 55 | 94 (stronger) |
| Funding & liquidity | 90 (stronger) | 81 |
| Problem-loan coverage | 92 | 98 (stronger) |
| Peer percentile | 53rd | 80th |
| Total assets | $1.5B | $269.5M |
| Deposits / shares | $1.4B | $241.3M |
| Capital ratio | 10.83% (stronger) | 10.60% |
| Problem loans | 0.85% | 0.16% (stronger) |
| Net charge-offs | 0.06% (stronger) | 0.24% |
| Return on assets | 0.86% | 1.85% (stronger) |
| Loans ÷ deposits | 49.8% (stronger) | 55.4% |
| Uninsured deposits | 24.1% (stronger) | 32.4% |
| Offices | 19 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.8% | 2.4% |
South Georgia Bank has the higher TellerScore (81 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Security Federal Bank leads on 4 and South Georgia Bank on 3. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.