Northeast Georgia Bank
Lavonia, GA
IDRSSD: 888833
Total Assets
$651.70M
Latest filing
Total Deposits
$557.21M
Latest filing
Net Interest Margin
4.73%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
061103030LAVONIA, GA
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Northeast Georgia Bank
12461 Augusta Rd
Lavonia, GA 30553
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1934FDIC Certificate 10018
Branches (8)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| Northeast Georgia Bank (Main) | 12461 Augusta Rd | Lavonia, GA |
| BRASELTON BRANCH | 5045 Highway 53 | Braselton, GA |
| HARTWELL BRANCH | 331 E Franklin St | Hartwell, GA |
| ROYSTON BRANCH | 155 Franklin Springs St | Royston, GA |
| CARNESVILLE BRANCH | 9535 Lavonia Rd | Carnesville, GA |
| ELBERTON BRANCH | 916 Elbert St | Elberton, GA |
| TOCCOA OFFICE BRANCH | 56 Stephen Cir | Toccoa, GA |
| COMMERCE BRANCH | 30990 Highway 441 S | Commerce, GA |
Showing 7 of 8
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 | 01/01/1934 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 30553 |
| State and County Number | 13119 |
| 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 | N/A |
Operational Info
| Number of Employees | 94 |
| Domestic Offices | 9 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 09/23/1940 |
| Primary Insurance Agency | DIF |
| Website | www.northeastgabank.com |
| Data Updated | 01/30/2026 |
| CERT | 15771 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $651.70M |
| Total Deposits | $557.21M |
| Total Liabilities | $564.93M |
| Total Equity Capital | $86.77M |
| Net Income | $5.19M |
| Net Loans and Leases | $318.94M |
| Assets Per Employee ($Millions) | $7.16M |
| Bank Premises and Fixed Assets | $8.29M |
| Cash and Balances due from Depository Institutions | $110.88M |
| Deposits Held in Domestic Offices | $557.21M |
Key Performance Ratios
| Return on Assets (ROA) | 3.2% |
| Return on Equity (ROE) | 24.76% |
| Net Interest Margin | 4.73% |
| Efficiency Ratio | 31.39% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.07% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 13.314% |
| Earning Assets to total Assets | 94.55% |
Income and Expense
| Total Interest Income | $8.71M |
| Total Noninterest Income | $787.00k |
| Total Interest Expense | $1.53M |
| Total Noninterest Expense | $2.50M |
| Net Interest Income | $7.18M |
| Pre-tax Net Operating Income | $5.36M |
| Provision for Credit Losses | $107.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $5.33M |
| Federal Funds Sold & Reverse Repurchase Agreement | $53.88M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $2.39M |
| Total Liabilities and Capital | $651.70M |
Securities
| Securities | $139.16M |
| Available-for-sale debt securities | $139.16M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Northeast Georgia Bank?
$651.70M as of the latest filing.
How much are Northeast Georgia Bank's total deposits?
$557.21M in total deposits.
Where is Northeast Georgia Bank located?
Lavonia, GA.
What is the Net Interest Margin?
4.73%.
How many domestic offices does it operate?
9.
When was it established?
01/01/1934.
What is the Return on Assets (ROA)?
3.2%.
How much are total loans and leases?
$318.94M (latest filing).
What is the total interest income (latest filing)?
$8.71M.