South Georgia Bank
Glennville, GA
IDRSSD: 995571
Total Assets
$251.85M
Latest filing
Total Deposits
$224.66M
Latest filing
Net Interest Margin
4.47%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
South Georgia Bank
401 S Veterans Blvd
Glennville, GA 30427
Full Service - Brick and Mortar
Updated 11/14/2025Established 04/07/1987FDIC Certificate 45366
Branches (4)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| South Georgia Bank (Main) | 401 S Veterans Blvd | Glennville, GA |
| CLAXTON BRANCH | 321 N Duval St | Claxton, GA |
| REIDSVILLE BRANCH | 221 S Main St | Reidsville, GA |
| HINESVILLE BRANCH | 737 S Main St | Hinesville, GA |
| AUGUSTA BRANCH | 2839 Central Ave | Augusta, GA |
Showing 4 of 4
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 | 04/07/1987 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 30427 |
| State and County Number | 13267 |
| 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 | 51 |
| Domestic Offices | 5 |
| 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 | 08/09/1989 |
| Primary Insurance Agency | DIF |
| Website | www.southgabank.com |
| Data Updated | 11/14/2025 |
| CERT | 32532 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $251.85M |
| Total Deposits | $224.66M |
| Total Liabilities | $229.69M |
| Total Equity Capital | $22.16M |
| Net Income | $1.18M |
| Net Loans and Leases | $134.16M |
| Assets Per Employee ($Millions) | $5.14M |
| Bank Premises and Fixed Assets | $3.64M |
| Cash and Balances due from Depository Institutions | $0 |
| Deposits Held in Domestic Offices | $224.66M |
Key Performance Ratios
| Return on Assets (ROA) | 1.88% |
| Return on Equity (ROE) | 22.1% |
| Net Interest Margin | 4.47% |
| Efficiency Ratio | 51.23% |
| Tier 1 Risk-Based Capital Ratio | 19.574% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.41% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.8% |
| Earning Assets to total Assets | 94.01% |
Income and Expense
| Total Interest Income | $3.50M |
| Total Noninterest Income | $416.00k |
| Total Interest Expense | $869.00k |
| Total Noninterest Expense | $1.56M |
| Net Interest Income | $2.63M |
| Pre-tax Net Operating Income | $1.22M |
| Provision for Credit Losses | $260.00k |
| 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 | $5.03M |
| Total Liabilities and Capital | $251.85M |
Securities
| Securities | $53.54M |
| Available-for-sale debt securities | $53.54M |
| 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 South Georgia Bank?
$251.85M as of the latest filing.
How much are South Georgia Bank's total deposits?
$224.66M in total deposits.
Where is South Georgia Bank located?
Glennville, GA.
What is the Net Interest Margin?
4.47%.
How many domestic offices does it operate?
5.
When was it established?
04/07/1987.
What is the Return on Assets (ROA)?
1.88%.
How much are total loans and leases?
$134.16M (latest filing).
What is the total interest income (latest filing)?
$3.50M.