Side-by-side · Q2 2026 data
South Georgia Banking Company vs Flint Community Bank
Metric by metric
| Measure | South Georgia Banking Company | Flint Community Bank |
|---|---|---|
| TellerScore | 85 (stronger) | 54 |
| Capital cushion | 89 (stronger) | 41 |
| Loan quality | 82 (stronger) | 32 |
| Earnings | 85 | 100 (stronger) |
| Funding & liquidity | 75 (stronger) | 48 |
| Problem-loan coverage | 94 (stronger) | 67 |
| Peer percentile | 88th | 10th |
| Total assets | $570.1M | $357.1M |
| Deposits / shares | $487.6M | $310.4M |
| Capital ratio | 13.86% (stronger) | 9.06% |
| Problem loans | 0.55% (stronger) | 2.05% |
| Net charge-offs | 0.06% (stronger) | 0.15% |
| Return on assets | 1.63% | 2.10% (stronger) |
| Loans ÷ deposits | 80.9% (stronger) | 88.9% |
| Uninsured deposits | 18.6% (stronger) | 35.6% |
| Offices | 8 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.6% | 0.0% |
South Georgia Banking Company has the higher TellerScore (85 vs 54). On the 7 directional measures above (where higher or lower is clearly better), South Georgia Banking Company leads on 6 and Flint Community Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.