B
South Georgia Bank
Rating Date
August 2026
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings South Georgia Bank
Glennville, GA
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Rating B
Asset Quality Index 7.20
Capitalization Index 9.40
Liquidity Index 3.70
Profitability Index 8.30
Stability Index 7.00
Company Info South Georgia Bank
Glennville, GA
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FDIC Number 32532
Phone Number (912) 654-1051
Website www.southgabank.com
Asset Quality South Georgia Bank
Glennville, GA
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1-Year Asset Growth 8.05%
5-Year Asset Growth 5.62%
5-Year Charge-Offs to Average Loans 0.07%
Charge-Offs to Average Loans 0.24%
Non-Performing Assets to Assets 0.08%
Non-Performing Loans to Capital 0.70%
Non-Performing Loans to Loans 0.16%
Balance Sheet South Georgia Bank
Glennville, GA
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Total Assets 269.55M
Total Deposits 241.35M
Capital and Reserves South Georgia Bank
Glennville, GA
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Capital 23.88M
Leverage Ratio 10.60
Loan Loss Reserves to Loans 2.53%
Risk-Based Capital Ratio 21.84
Liquidity South Georgia Bank
Glennville, GA
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Hot Money Ratio 24.71%
Liquidity Ratio 35.79%
Profitability South Georgia Bank
Glennville, GA
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5-Year Return on Average Assets 1.92%
Net Income 2.44M
Net Interest Spread 4.43%
Operating Profit to Average Assets 1.88%
Overhead Efficiency Ratio 52.88%
Return on Assets 1.84%
Return on Equity 20.99%