Side-by-side · Q2 2026 data
South Georgia Bank vs Community Bank of Georgia
Metric by metric
| Measure | South Georgia Bank | Community Bank of Georgia |
|---|---|---|
| TellerScore | 81 (stronger) | 74 |
| Capital cushion | 56 | 60 (stronger) |
| Loan quality | 95 (stronger) | 65 |
| Earnings | 94 | 94 |
| Funding & liquidity | 81 | 83 (stronger) |
| Problem-loan coverage | 98 (stronger) | 87 |
| Peer percentile | 80th | 57th |
| Total assets | $269.5M | $269.5M |
| Deposits / shares | $241.3M | $239.6M |
| Capital ratio | 10.60% | 10.99% (stronger) |
| Problem loans | 0.16% (stronger) | 1.05% |
| Net charge-offs | 0.24% | 0.10% (stronger) |
| Return on assets | 1.85% | 1.85% (stronger) |
| Loans ÷ deposits | 55.4% (stronger) | 77.1% |
| Uninsured deposits | 32.4% | 14.8% (stronger) |
| Offices | 5 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.4% | — |
South Georgia Bank has the higher TellerScore (81 vs 74). On the 7 directional measures above (where higher or lower is clearly better), South Georgia Bank leads on 3 and Community Bank of Georgia on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.