Georgia First Bank
Soperton, GA
IDRSSD: 260831
Total Assets
$257.85M
Latest filing
Total Deposits
$230.65M
Latest filing
Net Interest Margin
5.88%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Georgia First Bank
1202 Second St
Soperton, GA 30457
Full Service - Brick and Mortar
Updated 11/14/2025Established 06/01/1903FDIC Certificate 567
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Georgia First Bank (Main) | 1202 Second St | Soperton, GA |
| GEORGIA FIRST BANK - VIDALIA BRANCH | 112 Charles Andrew Dr | Vidalia, GA |
| DUBLIN BRANCH | 303 Industrial Blvd | Dublin, GA |
Showing 2 of 2
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 06/01/1903 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 30457 |
| State and County Number | 13283 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 06 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | Dublin, GA |
Operational Info
| Number of Employees | 46 |
| Domestic Offices | 3 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 06/30/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | https://georgiafirst.bank |
| Data Updated | 11/14/2025 |
| CERT | 889 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $257.85M |
| Total Deposits | $230.65M |
| Total Liabilities | $232.55M |
| Total Equity Capital | $25.30M |
| Net Income | $1.34M |
| Net Loans and Leases | $215.19M |
| Assets Per Employee ($Millions) | $5.49M |
| Bank Premises and Fixed Assets | $9.32M |
| Cash and Balances due from Depository Institutions | $24.75M |
| Deposits Held in Domestic Offices | $230.65M |
Key Performance Ratios
| Return on Assets (ROA) | 2.08% |
| Return on Equity (ROE) | 21.67% |
| Net Interest Margin | 5.88% |
| Efficiency Ratio | 55.83% |
| Tier 1 Risk-Based Capital Ratio | 12.282% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.47% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.812% |
| Earning Assets to total Assets | 94.31% |
Income and Expense
| Total Interest Income | $4.80M |
| Total Noninterest Income | $310.00k |
| Total Interest Expense | $1.25M |
| Total Noninterest Expense | $2.15M |
| Net Interest Income | $3.55M |
| Pre-tax Net Operating Income | $1.41M |
| Provision for Credit Losses | $300.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.91M |
| Total Liabilities and Capital | $257.85M |
Securities
| Securities | $6.76M |
| Available-for-sale debt securities | $6.76M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Georgia First Bank?
$257.85M as of the latest filing.
How much are Georgia First Bank's total deposits?
$230.65M in total deposits.
Where is Georgia First Bank located?
Soperton, GA.
What is the Net Interest Margin?
5.88%.
How many domestic offices does it operate?
3.
When was it established?
06/01/1903.
What is the Return on Assets (ROA)?
2.08%.
How much are total loans and leases?
$215.19M (latest filing).
What is the total interest income (latest filing)?
$4.80M.