South Georgia Banking Company
Omega, GA
IDRSSD: 767732
Total Assets
$553.57M
Latest filing
Total Deposits
$474.28M
Latest filing
Net Interest Margin
5.32%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
South Georgia Banking Company
5515 Alabama Ave
Omega, GA 31775
Full Service - Brick and Mortar
Updated 11/14/2025Established 06/14/1937FDIC Certificate 13883
Branches (7)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| South Georgia Banking Company (Main) | 5515 Alabama Ave | Omega, GA |
| VIENNA BRANCH | 210 S 3rd St | Vienna, GA |
| WEST SECOND BRANCH | 725 2nd St W | Tifton, GA |
| MOULTRIE BRANCH | 410 Lane St | Moultrie, GA |
| CORDELE BRANCH | 702 S Pecan St | Cordele, GA |
| TIFT AVENUE BRANCH | 2005 Tift Ave N | Tifton, GA |
| ASHBURN MAIN BRANCH | 561 E Washington Ave | Ashburn, GA |
| SYLVESTER BRANCH | 603 N. Main St. | Sylvester, GA |
Showing 7 of 7
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
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 | 06/14/1937 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 31775 |
| State and County Number | 13277 |
| Subchapter S Corporations | No |
| 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 | Tifton, GA |
Operational Info
| Number of Employees | 124 |
| Domestic Offices | 8 |
| 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 | 06/11/1970 |
| Primary Insurance Agency | DIF |
| Website | www.sgbconline.com |
| Data Updated | 11/14/2025 |
| CERT | 20198 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $553.57M |
| Total Deposits | $474.28M |
| Total Liabilities | $478.01M |
| Total Equity Capital | $75.56M |
| Net Income | $1.90M |
| Net Loans and Leases | $352.50M |
| Assets Per Employee ($Millions) | $4.61M |
| Bank Premises and Fixed Assets | $13.26M |
| Cash and Balances due from Depository Institutions | $36.97M |
| Deposits Held in Domestic Offices | $474.28M |
Key Performance Ratios
| Return on Assets (ROA) | 1.37% |
| Return on Equity (ROE) | 10.27% |
| Net Interest Margin | 5.32% |
| Efficiency Ratio | 67.31% |
| Tier 1 Risk-Based Capital Ratio | 18.183% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.05% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 13.65% |
| Earning Assets to total Assets | 88.27% |
Income and Expense
| Total Interest Income | $7.26M |
| Total Noninterest Income | $1.11M |
| Total Interest Expense | $798.00k |
| Total Noninterest Expense | $5.09M |
| Net Interest Income | $6.46M |
| Pre-tax Net Operating Income | $2.40M |
| Provision for Credit Losses | $75.00k |
| 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 | $8.90M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $3.72M |
| Total Liabilities and Capital | $553.57M |
Securities
| Securities | $102.74M |
| Available-for-sale debt securities | $102.74M |
| 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 Banking Company?
$553.57M as of the latest filing.
How much are South Georgia Banking Company's total deposits?
$474.28M in total deposits.
Where is South Georgia Banking Company located?
Omega, GA.
What is the Net Interest Margin?
5.32%.
How many domestic offices does it operate?
8.
When was it established?
06/14/1937.
What is the Return on Assets (ROA)?
1.37%.
How much are total loans and leases?
$352.50M (latest filing).
What is the total interest income (latest filing)?
$7.26M.