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Northeast Georgia Bank

Lavonia, GA
IDRSSD: 888833
Total Assets
$643.43M
Latest filing
Total Deposits
$549.02M
Latest filing
Net Interest Margin
5.01%
Profitability
0

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 ClassCommercial bank, state charter, Fed non-member, and supervised by the FDIC
Primary RegulatorFDIC
Established Date01/01/1934
Community BankYes
Ownership TypeNot Mutual
ZIP30553
State and County Number13119
Subchapter S CorporationsYes
Trust PowersN/A
Federal Reserve ID Number06
Numeric code21
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictAtlanta
Core Based Statistical Area NameN/A

Operational Info

Number of Employees94
Domestic Offices9
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date08/31/2022
Date of Deposit Insurance09/23/1940
Primary Insurance AgencyDIF
Websitewww.northeastgabank.com
Data Updated11/14/2025
CERT15771
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$643.43M
Total Deposits$549.02M
Total Liabilities$562.60M
Total Equity Capital$80.83M
Net Income$4.67M
Net Loans and Leases$321.12M
Assets Per Employee ($Millions)$6.85M
Bank Premises and Fixed Assets$9.10M
Cash and Balances due from Depository Institutions$93.37M
Deposits Held in Domestic Offices$549.02M

Key Performance Ratios

Return on Assets (ROA)2.92%
Return on Equity (ROE)23.99%
Net Interest Margin5.01%
Efficiency Ratio40.21%
Tier 1 Risk-Based Capital Ratio0%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0.03%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets12.562%
Earning Assets to total Assets92.86%

Income and Expense

Total Interest Income$8.97M
Total Noninterest Income$765.00k
Total Interest Expense$1.56M
Total Noninterest Expense$3.29M
Net Interest Income$7.41M
Pre-tax Net Operating Income$4.84M
Provision for Credit Losses$46.00k
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$9.70M
Federal Funds Sold & Reverse Repurchase Agreement$70.17M
Federal Funds Purchased and Repurchased Agreement$0
All Other Liabilities$3.87M
Total Liabilities and Capital$643.43M

Securities

Securities$129.24M
Available-for-sale debt securities$129.24M
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 Northeast Georgia Bank?
$643.43M as of the latest filing.
How much are Northeast Georgia Bank's total deposits?
$549.02M in total deposits.
Where is Northeast Georgia Bank located?
Lavonia, GA.
What is the Net Interest Margin?
5.01%.
How many domestic offices does it operate?
9.
When was it established?
01/01/1934.
What is the Return on Assets (ROA)?
2.92%.
How much are total loans and leases?
$321.12M (latest filing).
What is the total interest income (latest filing)?
$8.97M.