# SOUTH GEORGIA BANKING CO
OMEGA, GA · FDIC certificate 20198 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $570.1M | |
| Deposits | $487.6M | |
| Loans and leases | $398.9M | |
| Total equity | $79.5M | |
| Loans / deposits | 80.90% (p47 of band) | 82.04% |
| Liquid assets / assets | 21.85% (p39 of band) | |
| Uninsured deposits / deposits | 18.57% (p24 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 13.86% (p85 of band) | 10.81% |
| Unrealized securities loss / equity | -17.36% (p26 of band) | -8.10% |
| AOCI / equity | -0.38% (p48 of band) | |
| ROA (annualized) | 1.63% (p71 of band) | 1.28% |
| Net interest margin | 5.35% (p97 of band) | 3.91% |
| Efficiency ratio | 61.25% (p50 of band) | |
| Noncurrent loans | 0.55% (p57 of band) | 0.43% |
| Net charge-offs (annualized) | 0.04% (p73 of band) | |
| Reserve coverage of noncurrent | 202.26% | |
| Real estate % of loans | 82% | |
| Construction % of loans | 42.14% (p49 of band) | |
| Auto loans | $3.0M (0.75% of loans; DQ 1.34%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 1.3% | |
| Employees | 114 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | capital falling |  |
| 2012-06 | 1 |  | capital falling |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 0 |  | reserve under noncurrent |
| 2014-03 | 2 | capital falling, reserve under noncurrent |  |
| 2014-06 | 1 |  | capital falling |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 0 |  | reserve under noncurrent |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | capital falling |  |
| 2017-06 | 0 |  | capital falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | capital falling |  |
| 2019-06 | 0 |  | capital falling |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | capital falling |  |
| 2022-06 | 0 |  | capital falling |
| 2022-09 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 0 |  | AOCI drag >20% of equity, securities losses >30% of equity |
| 2023-06 | 0 |  |  |
| 2023-09 | 2 | securities losses >30% of equity, deposits shrinking |  |
| 2023-12 | 2 | assets shrinking | securities losses >30% of equity |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 3 | uninsured deposits leaving |  |
| 2024-12 | 2 |  | assets shrinking |
| 2025-03 | 0 |  | deposits shrinking, uninsured deposits leaving |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | charge-offs p90 |  |
| 2026-03 | 0 |  | charge-offs p90 |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2020-12-29 [South Georgia Banking Co. marks 50 years - Moultrie Observer](https://news.google.com/rss/articles/CBMihwFBVV95cUxQTGRGZmllaFl2V1UyN2NkUE9URWhXekdSYTdXQ3FXdzI3amNEaFdDZ1A1cmpzQkZwQXdKQUNVcXNoX0J0MGxiUTRZUktRNkowemF5UW9hSGprMlRjMEFwNzVvd0NmVGlKUm5VNUJ2SU5JeHhBaWFCY3ZnVGc4TUIyTzdpdWdBWTA?oc=5) · Moultrie Observer
- 2025-03-30 [Middle South Georgia Conservation District honors 2024 Conservationists of the Year - Valdosta Daily Times](https://news.google.com/rss/articles/CBMixAFBVV95cUxQU295M3JzamY0X2tWX3dmbFhBR2laWE9RQlhCbTNQaVgxcG1pb0I3SVZUdlQxT1RJSHhHcGpHUjZiZVlnUFV2S0hJZFMxbEdjbFFUNzRNMTE0Z0lKeXZteVNLMDJpWUI4MS13bHRmMER6aWlFWV9kbi1nSW1kNkhILWpPaU4tOGZ4YzNBMHdNeUlxWWEyeXBINWtuNS1FWDZBSDcwRDdnQVppenl1SGJNLTNmOWhrODZTNmJMdlBURk9UOUtI?oc=5) · Valdosta Daily Times
- 2020-03-01 [We Meat Again: Rhythm and Ribs BBQ Festival set for Mar. 7 - Tifton Gazette](https://news.google.com/rss/articles/CBMimgFBVV95cUxOQkhfV2Via0t1M1VvY0JFaXAxbVI5SElTNnhaQTV2aEpEVWt5OGsxajR2b0xhN3lBUzVpb19qZm5yWkoteHpWQ0hOMHRLNDNCRUxIOE1TWmNwcENQeEhJcmZfZ3dOU0M3VVRRV0dsbTZ3bDR6ZnhPOTQ4Y1dtcTJTemRob3RTODVNb2J3RnNJN0JnT1B6M3dhRlJB?oc=5) · Tifton Gazette

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=20198 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/38.json (key "20198", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide