State Rankings & Insights
See how banks across GEORGIA rank on Efficiency Ratio for 2024Q4. Values are reported in percentage terms as of 2024-12-31. Browse the table below or jump directly to an institution’s call‑report profile.
- Average: 65.04%
- Median: 61.91%
- Min / Max: 27.90% — 177.92%
Top banks by Efficiency Ratio in GEORGIA
VIDALIA FEDERAL SAVINGS BANK – VIDALIATALBOT STATE BANK – WOODLANDFIRST NB OF DECATUR COUNTY – BAINBRIDGEFIRST FS&LA OF VALDOSTA – VALDOSTAFARMERS&MERCHANTS BANK – LAKELANDROCHELLE STATE BANK – ROCHELLEFIRST STB OF RANDOLPH COUNTY – CUTHBERTBANK OF EDISON – EDISONLOYAL TRUST BANK – JOHNS CREEKAPEX BANKING CO OF GEORGIA – IRWINTON
Count
141
Sum
9170.52%
Avg
65.04%
Median
61.91%
Min
27.90%
Max
177.92%
| Bank | City | Efficiency Ratio |
|---|---|---|
| VIDALIA FEDERAL SAVINGS BANK | VIDALIA | 177.92% |
| TALBOT STATE BANK | WOODLAND | 138.99% |
| FIRST NB OF DECATUR COUNTY | BAINBRIDGE | 114.04% |
| FIRST FS&LA OF VALDOSTA | VALDOSTA | 113.59% |
| FARMERS&MERCHANTS BANK | LAKELAND | 111.10% |
| ROCHELLE STATE BANK | ROCHELLE | 107.35% |
| FIRST STB OF RANDOLPH COUNTY | CUTHBERT | 104.28% |
| BANK OF EDISON | EDISON | 103.50% |
| LOYAL TRUST BANK | JOHNS CREEK | 95.69% |
| APEX BANKING CO OF GEORGIA | IRWINTON | 93.59% |
| MOULTRIE BANK&TRUST | MOULTRIE | 92.64% |
| MERCHANTS&CITIZENS BANK | MCRAE | 89.93% |
| CARVER STATE BANK | SAVANNAH | 89.01% |
| TC FEDERAL BANK | THOMASVILLE | 88.81% |
| FIRST BANK OF COASTAL GA | PEMBROKE | 87.94% |
| PEOPLES BANK | WILLACOOCHEE | 85.32% |
| BANK OF LUMBER CITY | LUMBER CITY | 84.75% |
| SOUTHERN BANK | SARDIS | 84.66% |
| CLAXTON BANK | CLAXTON | 83.71% |
| FIRST BANK OF PIKE | MOLENA | 83.22% |
| BANK OF ALAPAHA | ALAPAHA | 78.96% |
| SIGNATURE BANK OF GEORGIA | SANDY SPRINGS | 78.93% |
| AMERICAN PRIDE BANK | MACON | 78.07% |
| GEORGIA PRIMARY BANK | ATLANTA | 76.73% |
| GEO D WARTHEN BANK | SANDERSVILLE | 76.21% |
| BANK OF DAWSON | DAWSON | 75.06% |
| BANK OF HANCOCK COUNTY | SPARTA | 74.66% |
| BANK OF LAFAYETTE GEORGIA | LA FAYETTE | 73.84% |
| FIRST SOUTHERN BANK | WAYCROSS | 72.66% |
| SOUTH COAST BANK&TRUST | BRUNSWICK | 72.53% |
| BANK OF NEWINGTON | NEWINGTON | 72.12% |
| PEOPLES BANK | EATONTON | 71.70% |
| FIRST CENTURY BANK NA | COMMERCE | 71.60% |
| TRUST BANK | LENOX | 71.58% |
| WAYCROSS BANK&TRUST | WAYCROSS | 71.57% |
| CITIZENS COMMUNITY BANK | HAHIRA | 71.42% |
| OCONEE STATE BANK | WATKINSVILLE | 70.03% |
| F&M BANK | WASHINGTON | 69.30% |
| BANKSOUTH | GREENSBORO | 69.27% |
| PLANTERS&CITIZENS BANK | CAMILLA | 69.09% |
| TANDEM BANK | TUCKER | 69.03% |
| SOUTH GEORGIA BANKING CO | OMEGA | 68.60% |
| FARMERS BANK | GREENSBORO | 68.26% |
| AFFINITY BANK NATIONAL ASSN | COVINGTON | 68.03% |
| FIRST PORT CITY BANK | BAINBRIDGE | 67.95% |
| F&M BANK&TRUST CO | MANCHESTER | 67.72% |
| BARWICK BANKING CO | BARWICK | 67.48% |
| GEORGIA BANKING CO | ATLANTA | 67.20% |
| QUEENSBOROUGH NB&T CO | LOUISVILLE | 66.84% |
| GREAT OAKS BANK | EASTMAN | 66.82% |
| EXCHANGE BANK | MILLEDGEVILLE | 66.53% |
| BANK OF DUDLEY | DUDLEY | 66.46% |
| LEGACY STATE BANK | LOGANVILLE | 66.38% |
| COLONY BANK | FITZGERALD | 65.67% |
| SECURITY STATE BANK | MCRAE | 65.30% |
| FARMERS&MERCHANTS BANK | EATONTON | 65.05% |
| COMMERCIAL BANKING CO | VALDOSTA | 64.89% |
| PEOPLES BANK OF GEORGIA | TALBOTTON | 64.89% |
| COMMUNITY BK CO FITZGERALD | FITZGERALD | 64.51% |
| FARMERS STATE BANK | LINCOLNTON | 64.46% |
| GUARDIAN BANK | VALDOSTA | 64.20% |
| EMBASSY NATIONAL BANK | LAWRENCEVILLE | 63.96% |
| WEST CENTRAL GEORGIA BANK | THOMASTON | 63.62% |
| MOUNT VERNON BANK | MOUNT VERNON | 63.48% |
| FARMERS STATE BANK | DUBLIN | 62.86% |
| PINNACLE BANK | ELBERTON | 62.69% |
| MAGNOLIA STATE BANK | EASTMAN | 62.64% |
| PLANTERS FIRST BANK | CORDELE | 62.64% |
| PEOPLESSOUTH BANK | COLQUITT | 62.38% |
| FNB SOUTH | ALMA | 62.04% |
| ALTAMAHA BANK&TRUST CO | VIDALIA | 61.91% |
| FIRST NB OF GRIFFIN | GRIFFIN | 61.79% |
| PIEDMONT BANK | PEACHTREE CORNER | 61.10% |
| GEORGIA FIRST BANK | SOPERTON | 60.80% |
| FIRST CHATHAM BANK | SAVANNAH | 60.71% |
| FAMILY BANK | PELHAM | 60.50% |
| BANK OF CAMILLA | CAMILLA | 60.30% |
| FOUR COUNTY BANK | ALLENTOWN | 60.28% |
| FIRST NB OF COFFEE COUNTY | DOUGLAS | 60.11% |
| RIVER CITY BANK | ROME | 60.09% |
| PROMISEONE BANK | DULUTH | 59.90% |
| PEOPLES BANK | LYONS | 58.85% |
| BANK OF MADISON | MADISON | 58.71% |
| GEORGIA COMMUNITY BANK | ALBANY | 58.33% |
| CITIZENS NB OF QUITMAN | QUITMAN | 57.96% |
| BANK OF HAZLEHURST | HAZLEHURST | 57.85% |
| PEACH STATE BANK&TRUST | GAINESVILLE | 57.31% |
| CITIZENS BANK OF THE SOUTH | SANDERSVILLE | 57.09% |
| FLINT COMMUNITY BANK | ALBANY | 57.06% |
| PINELAND BANK | ALMA | 56.98% |
| SOUTHEAST FIRST NB | SUMMERVILLE | 56.80% |
| MORRIS BANK | DUBLIN | 56.57% |
| BANK OF WRIGHTSVILLE | WRIGHTSVILLE | 56.51% |
| NORTH GEORGIA NATIONAL BANK | CALHOUN | 56.37% |
| GLENNVILLE BANK | GLENNVILLE | 55.76% |
| PEOPLES BANK&TRUST | BUFORD | 55.68% |
| FIRST PEOPLES BANK | PINE MOUNTAIN | 55.06% |
| CIBC NATIONAL TRUST CO | ATLANTA | 54.98% |
| CITIZENS BANK&TRUST INC | TRENTON | 54.94% |
| CENTURY BANK&TRUST | MILLEDGEVILLE | 54.76% |
| SOUTHEASTERN BANK | DARIEN | 54.21% |
| CITIZENS BANK OF AMERICUS | AMERICUS | 54.04% |
| CITIZENS BANK OF SWAINSBORO | SWAINSBORO | 53.90% |
| CRAFT BANK | ATLANTA | 53.78% |
| SOUTH GEORGIA BANK | GLENNVILLE | 53.43% |
| AMERICAN COMMERCE BANK NA | BREMEN | 53.39% |
| COMMUNITY BANK OF GEORGIA | BAXLEY | 53.34% |
| COMMUNITY B&T WEST GEORGIA | LAGRANGE | 53.30% |
| SYNOVUS TRUST CO NA | COLUMBUS | 52.92% |
| AB&T | ALBANY | 52.65% |
| DURDEN BANKING CO INC | TWIN CITY | 52.20% |
| RABUN COUNTY BANK | CLAYTON | 52.07% |
| UNITED NATIONAL BANK | CAIRO | 51.73% |
| FIRST STATE BANK | WRENS | 51.07% |
| FIRST AMERICAN BANK&TRUST CO | ATHENS | 50.93% |
| PRIMESOUTH BANK | BLACKSHEAR | 50.25% |
| CITIZENS BANK OF COCHRAN | COCHRAN | 50.17% |
| FIRST STATE BANK OF BLAKELY | BLAKELY | 50.05% |
| FIRST NB OF WAYNESBORO | WAYNESBORO | 49.86% |
| COMMERCIAL BANK | CRAWFORD | 49.76% |
| SYNOVUS BANK | COLUMBUS | 49.47% |
| BANK OF MONTICELLO | MONTICELLO | 49.16% |
| WHEELER COUNTY STATE BANK | ALAMO | 48.92% |
| CITIZENS BANK OF GEORGIA | CUMMING | 48.09% |
| AMERIS BANK | ATLANTA | 47.67% |
| FIRST NATIONAL CMTY BANK | CHATSWORTH | 47.58% |
| SUNMARK COMMUNITY BANK | PERRY | 46.99% |
| FIRST IC BANK | DORAVILLE | 46.92% |
| STATE BANK OF COCHRAN | COCHRAN | 46.50% |
| BANK OF DADE | TRENTON | 46.38% |
| CLASSIC CITY BANK | ATHENS | 45.39% |
| CITIZENS TRUST BANK | ATLANTA | 45.38% |
| TOUCHMARK NATIONAL BANK | ALPHARETTA | 44.81% |
| COMMUNITY BK OF PICKENS CNTY | JASPER | 41.99% |
| DOUGLAS NATIONAL BANK | DOUGLAS | 41.55% |
| UNITED BANK | ZEBULON | 41.11% |
| FARMERS&MERCHANTS BANK | SYLVANIA | 40.96% |
| METRO CITY BANK | DORAVILLE | 40.12% |
| THOMASVILLE NATIONAL BANK | THOMASVILLE | 38.91% |
| NORTHEAST GEORGIA BANK | LAVONIA | 38.66% |
| RBC BANK GEORGIA NA | ATLANTA | 27.90% |