State Rankings & Insights
See how banks across GEORGIA rank on Efficiency Ratio for 2025Q1. Values are reported in percentage terms as of 2025-03-31. Browse the table below or jump directly to an institution’s call‑report profile.
- Average: 63.11%
- Median: 59.32%
- Min / Max: 32.81% — 170.13%
Top banks by Efficiency Ratio in GEORGIA
VIDALIA FEDERAL SAVINGS BANK – VIDALIATALBOT STATE BANK – WOODLANDBANK OF LUMBER CITY – LUMBER CITYFIRST NB OF DECATUR COUNTY – BAINBRIDGEFIRST STB OF RANDOLPH COUNTY – CUTHBERTAPEX BANKING CO OF GEORGIA – IRWINTONROCHELLE STATE BANK – ROCHELLEFIRST BANK OF COASTAL GA – PEMBROKEMERCHANTS&CITIZENS BANK – MCRAEBANK OF HANCOCK COUNTY – SPARTA
Count
139
Sum
8772.58%
Avg
63.11%
Median
59.32%
Min
32.81%
Max
170.13%
| Bank | City | Efficiency Ratio |
|---|---|---|
| VIDALIA FEDERAL SAVINGS BANK | VIDALIA | 170.13% |
| TALBOT STATE BANK | WOODLAND | 142.35% |
| BANK OF LUMBER CITY | LUMBER CITY | 118.35% |
| FIRST NB OF DECATUR COUNTY | BAINBRIDGE | 99.73% |
| FIRST STB OF RANDOLPH COUNTY | CUTHBERT | 95.50% |
| APEX BANKING CO OF GEORGIA | IRWINTON | 94.76% |
| ROCHELLE STATE BANK | ROCHELLE | 94.61% |
| FIRST BANK OF COASTAL GA | PEMBROKE | 90.95% |
| MERCHANTS&CITIZENS BANK | MCRAE | 89.62% |
| BANK OF HANCOCK COUNTY | SPARTA | 88.40% |
| GEORGIA BANKING CO | ATLANTA | 87.41% |
| CLAXTON BANK | CLAXTON | 86.76% |
| TC FEDERAL BANK | THOMASVILLE | 85.37% |
| SOUTHERN BANK | SARDIS | 85.32% |
| MOULTRIE BANK&TRUST | MOULTRIE | 85.29% |
| FARMERS&MERCHANTS BANK | EATONTON | 82.77% |
| PEOPLES BANK | WILLACOOCHEE | 81.96% |
| FIRST BANK OF PIKE | MOLENA | 80.32% |
| COMMUNITY B&T WEST GEORGIA | LAGRANGE | 79.30% |
| TRUST BANK | LENOX | 78.97% |
| F&M BANK&TRUST CO | MANCHESTER | 77.86% |
| BANK OF ALAPAHA | ALAPAHA | 77.21% |
| LEGACY STATE BANK | LOGANVILLE | 76.78% |
| CITIZENS COMMUNITY BANK | HAHIRA | 76.53% |
| TANDEM BANK | TUCKER | 76.11% |
| OCONEE STATE BANK | WATKINSVILLE | 74.61% |
| PLANTERS&CITIZENS BANK | CAMILLA | 74.49% |
| FIRST FS&LA OF VALDOSTA | VALDOSTA | 74.46% |
| SIGNATURE BANK OF GEORGIA | SANDY SPRINGS | 74.23% |
| LOYAL TRUST BANK | JOHNS CREEK | 73.36% |
| GEO D WARTHEN BANK | SANDERSVILLE | 73.23% |
| BARWICK BANKING CO | BARWICK | 73.00% |
| CARVER STATE BANK | SAVANNAH | 72.49% |
| FIRST SOUTHERN BANK | WAYCROSS | 72.27% |
| BANKSOUTH | GREENSBORO | 72.10% |
| AMERICAN PRIDE BANK | MACON | 71.12% |
| PEOPLES BANK | EATONTON | 71.06% |
| AFFINITY BANK NATIONAL ASSN | COVINGTON | 70.96% |
| FIRST CHATHAM BANK | SAVANNAH | 69.01% |
| BANK OF EDISON | EDISON | 67.05% |
| SOUTH GEORGIA BANKING CO | OMEGA | 66.69% |
| PINNACLE BANK | ELBERTON | 66.45% |
| COLONY BANK | FITZGERALD | 65.17% |
| QUEENSBOROUGH NB&T CO | LOUISVILLE | 65.10% |
| WEST CENTRAL GEORGIA BANK | THOMASTON | 65.09% |
| CITIZENS BANK OF THE SOUTH | SANDERSVILLE | 63.89% |
| MAGNOLIA STATE BANK | EASTMAN | 63.79% |
| PLANTERS FIRST BANK | CORDELE | 63.45% |
| SECURITY STATE BANK | MCRAE | 62.92% |
| GEORGIA COMMUNITY BANK | ALBANY | 62.86% |
| FAMILY BANK | PELHAM | 62.69% |
| EXCHANGE BANK | MILLEDGEVILLE | 62.68% |
| GREAT OAKS BANK | EASTMAN | 62.66% |
| F&M BANK | WASHINGTON | 62.62% |
| NORTH GEORGIA NATIONAL BANK | CALHOUN | 62.57% |
| FARMERS STATE BANK | DUBLIN | 62.37% |
| GEORGIA FIRST BANK | SOPERTON | 62.06% |
| SOUTH COAST BANK&TRUST | BRUNSWICK | 62.05% |
| CITIZENS BANK&TRUST INC | TRENTON | 61.79% |
| FOUR COUNTY BANK | ALLENTOWN | 61.59% |
| BANK OF CAMILLA | CAMILLA | 61.23% |
| BANK OF DUDLEY | DUDLEY | 61.00% |
| EMBASSY NATIONAL BANK | LAWRENCEVILLE | 60.78% |
| SYNOVUS TRUST CO NA | COLUMBUS | 60.65% |
| PINELAND BANK | ALMA | 60.13% |
| COMMERCIAL BANKING CO | VALDOSTA | 60.03% |
| PEOPLES BANK OF GEORGIA | TALBOTTON | 59.95% |
| MOUNT VERNON BANK | MOUNT VERNON | 59.79% |
| FIRST NB OF COFFEE COUNTY | DOUGLAS | 59.33% |
| RABUN COUNTY BANK | CLAYTON | 59.32% |
| WAYCROSS BANK&TRUST | WAYCROSS | 58.84% |
| FIRST PORT CITY BANK | BAINBRIDGE | 58.72% |
| TOUCHMARK NATIONAL BANK | ALPHARETTA | 58.68% |
| PEACH STATE BANK&TRUST | GAINESVILLE | 58.58% |
| FIRST PEOPLES BANK | PINE MOUNTAIN | 58.23% |
| PROMISEONE BANK | DULUTH | 57.76% |
| PEOPLES BANK | LYONS | 57.74% |
| BANK OF LAFAYETTE GEORGIA | LA FAYETTE | 57.51% |
| PEOPLES BANK&TRUST | BUFORD | 57.50% |
| FLINT COMMUNITY BANK | ALBANY | 57.18% |
| GUARDIAN BANK | VALDOSTA | 56.97% |
| BANK OF NEWINGTON | NEWINGTON | 56.96% |
| CRAFT BANK | ATLANTA | 56.84% |
| FIRST NB OF GRIFFIN | GRIFFIN | 56.43% |
| RIVER CITY BANK | ROME | 56.41% |
| ALTAMAHA BANK&TRUST CO | VIDALIA | 56.25% |
| CITIZENS NB OF QUITMAN | QUITMAN | 56.22% |
| MORRIS BANK | DUBLIN | 56.15% |
| SOUTH GEORGIA BANK | GLENNVILLE | 55.94% |
| FARMERS BANK | GREENSBORO | 55.88% |
| BANK OF WRIGHTSVILLE | WRIGHTSVILLE | 55.70% |
| GLENNVILLE BANK | GLENNVILLE | 55.53% |
| UNITED NATIONAL BANK | CAIRO | 55.28% |
| SOUTHEASTERN BANK | DARIEN | 55.21% |
| COMMUNITY BK CO FITZGERALD | FITZGERALD | 55.15% |
| FARMERS&MERCHANTS BANK | LAKELAND | 55.00% |
| BANK OF DAWSON | DAWSON | 54.67% |
| DURDEN BANKING CO INC | TWIN CITY | 54.66% |
| BANK OF HAZLEHURST | HAZLEHURST | 54.60% |
| BANK OF MADISON | MADISON | 54.24% |
| PEOPLESSOUTH BANK | COLQUITT | 53.52% |
| CITIZENS BANK OF SWAINSBORO | SWAINSBORO | 53.51% |
| FIRST AMERICAN BANK&TRUST CO | ATHENS | 53.16% |
| CENTURY BANK&TRUST | MILLEDGEVILLE | 52.59% |
| FARMERS STATE BANK | LINCOLNTON | 52.36% |
| CITIZENS TRUST BANK | ATLANTA | 51.43% |
| FIRST STATE BANK OF BLAKELY | BLAKELY | 50.48% |
| CIBC NATIONAL TRUST CO | ATLANTA | 50.24% |
| FIRST NATIONAL CMTY BANK | CHATSWORTH | 50.14% |
| SUNMARK COMMUNITY BANK | PERRY | 50.11% |
| CITIZENS BANK OF AMERICUS | AMERICUS | 49.59% |
| SOUTHEAST FIRST NB | SUMMERVILLE | 49.52% |
| SYNOVUS BANK | COLUMBUS | 49.44% |
| AMERIS BANK | ATLANTA | 49.23% |
| AMERICAN COMMERCE BANK NA | BREMEN | 48.96% |
| FIRST IC BANK | DORAVILLE | 48.71% |
| CITIZENS BANK OF COCHRAN | COCHRAN | 48.39% |
| AB&T | ALBANY | 48.39% |
| WHEELER COUNTY STATE BANK | ALAMO | 48.38% |
| FNB SOUTH | ALMA | 47.99% |
| PRIMESOUTH BANK | BLACKSHEAR | 47.87% |
| FIRST STATE BANK | WRENS | 47.66% |
| FIRST NB OF WAYNESBORO | WAYNESBORO | 47.06% |
| CITIZENS BANK OF GEORGIA | CUMMING | 46.56% |
| FIRST CENTURY BANK NA | COMMERCE | 46.29% |
| BANK OF MONTICELLO | MONTICELLO | 45.68% |
| COMMUNITY BANK OF GEORGIA | BAXLEY | 44.72% |
| CLASSIC CITY BANK | ATHENS | 43.71% |
| NORTHEAST GEORGIA BANK | LAVONIA | 43.51% |
| COMMERCIAL BANK | CRAWFORD | 43.17% |
| FARMERS&MERCHANTS BANK | SYLVANIA | 43.04% |
| DOUGLAS NATIONAL BANK | DOUGLAS | 42.82% |
| BANK OF DADE | TRENTON | 42.22% |
| UNITED BANK | ZEBULON | 41.98% |
| THOMASVILLE NATIONAL BANK | THOMASVILLE | 39.80% |
| COMMUNITY BK OF PICKENS CNTY | JASPER | 39.73% |
| METRO CITY BANK | DORAVILLE | 38.42% |
| STATE BANK OF COCHRAN | COCHRAN | 38.06% |
| RBC BANK GEORGIA NA | ATLANTA | 32.81% |