# SOUTHWEST GEORGIA BANK
MOULTRIE, GA · FDIC certificate 2147 · asset band $300M-1B · latest filing 2020-03 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 2 (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 | $532.4M | |
| Deposits | $474.0M | |
| Loans and leases | $394.1M | |
| Total equity | $47.6M | |
| Loans / deposits | 82.32% (p44 of band) | 84.67% |
| Liquid assets / assets | 21.80% (p44 of band) | |
| Uninsured deposits / deposits | 37.41% (p86 of band) | 22.09% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.78% (p34 of band) | |
| FHLB advances / assets | 1.78% | |
| Tier 1 leverage | 8.12% (p3 of band) | 10.64% |
| Unrealized securities loss / equity | 8.25% (p96 of band) | 1.01% |
| AOCI / equity | 4.25% (p96 of band) | |
| ROA (annualized) | -1.89% (p1 of band) | 0.99% |
| Net interest margin | 4.31% (p88 of band) | 3.64% |
| Efficiency ratio | 148.13% (p99 of band) | |
| Noncurrent loans | 0.08% (p15 of band) | 0.56% |
| Net charge-offs (annualized) | -0.08% (p4 of band) | |
| Reserve coverage of noncurrent | 1173.64% | |
| Real estate % of loans | 77% | |
| Construction % of loans | 57.24% (p67 of band) | |
| Auto loans | $1.3M (0.34% of loans; DQ 8.20%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | -3.3% | |
| Employees | 111 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | reserve under noncurrent |  |
| 2011-12 | 0 |  | reserve under noncurrent |
| 2012-03 | 0 |  |  |
| 2012-06 | 1 | reserve under noncurrent |  |
| 2012-09 | 0 |  | reserve under noncurrent |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | capital falling |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 0 |  | capital falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | capital falling |  |
| 2018-06 | 0 |  | capital falling |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | capital falling |  |
| 2019-06 | 0 |  | capital falling |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 2 | losing money, expense ratio p90 |  |

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

- 2019-03-05 [Man Arrested for Armed Robbery at Southwest Georgia Bank - WTXL ABC 27](https://news.google.com/rss/articles/CBMizAFBVV95cUxNbUhURlRjQWZsZWxKY213N1NmalBnOTIxZVl4bDFhcGxueTFTcGlUa1dtUHNBNHlOa3RVRUItS0dhdW9FekJaVktJZGlNb2o1RDRnaWx6T2c4cHc5M29BdmptQTgzdVhKNWJKVWtLSlB5NUtIZlZjeUgyRjZERV9peFZVaVhYSFQ2b29QbkFYbDBzdXlNSlcySXNYc2lqTFczT1VHMF9TeTcwTklqWlhMMHRWU1h2MTdrTDZ4ZGV6QU0xYU5EdXdlVnJLY3Q?oc=5) · WTXL ABC 27
- 2018-03-06 [Southwest Georgia Bank hosts Young Farmers banquet - Moultrie Observer](https://news.google.com/rss/articles/CBMilgFBVV95cUxOUTdXX1pVSXJ5b0pmNXBrU1VmdE1Ia1BFZzRodG84eTNBV0dWZ184aW9hbE5JaWVDc2JMQTZ2RnBYcFNrQzFLVTlqd3BnZFVMdU1vZ1dqMjhLblNUR2FBcVloLU81U3RjSDBOWk9uMFRaVW9fSnIyYnNkWTdiUC1yYm1aaFNPektVM0FET010MkdOejVnUXc?oc=5) · Moultrie Observer
- 2022-01-21 [Georgia 'Limping Bandit' suspect may offer plea - The Florida Times-Union](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPUkpkVkc1T1UwdWZPN1BYS3g5WG9rTEZRZ2RZSmNQLXhMZnJOQnpGYjRqQzNMWlozYmlZa3lhdmQtanV4a2dJbWpGdXNGZmx2b3llS3AxR3N1V1hiVTR2SVVNUlh2cWZMbWFBdEhDTnF5VFN6WE5pZzdZa2t6TXNyQ1NBVWJNX2FzU0tSdUhGZ1FIZUg5MlFGM3M4NXBoQ0NvUHU1cGZva1h2a0k?oc=5) · The Florida Times-Union
- 2019-06-07 [Stalvey a bank management winner - Valdosta Daily Times](https://news.google.com/rss/articles/CBMigAFBVV95cUxOa3hIUERCM3JDbFdTOWxQUVFSZ3BtWkNjNE54Z25iN1lybWNBRUpzOU0yblp5Qk9ucjlnb3lFREFCNGtVcVcyWkR0LXZCMzlpQXVNVzF1LWVGQ1hKR0NDaUdDbnFmUzJFQi1yV2hPXzRvN1FPU1FDOHllYkZuTklrbA?oc=5) · Valdosta Daily Times
- 2025-10-17 [Karen Lee Durden Obituary Oct 17, 2025 - Baker Funeral Home & Crematory](https://news.google.com/rss/articles/CBMiXkFVX3lxTE1GVnZOTGhubkFObm91WFFJM0hHbzN4RE5VM3dfVHRCNUdpWmlaV1pOc0JEclZUY2RRQ3BrUm8wOU5DWkMtQVl3QU9HcXhUNTVsaU5aVFZyaGxHd1F6ZEE?oc=5) · Baker Funeral Home & Crematory
- 2017-03-13 [Man accused of robbing Valdosta bank Friday - WCTV](https://news.google.com/rss/articles/CBMilgFBVV95cUxPRUFSX2RWOUtiMDhPSUZoQkZkazdCSXhzS3p3NWJFd3JvM09GU3YtelRLaVpsNUZPbTUzVVk4UGY0eUhGc3B3Mm5rcUNSRkE4RElXdGpvRE5zaWRoMzNMMjVoWXlyNTJ4UWlJR3BaVHhsR1RmckZZZnFQUWliRDB2OEhTbnh1X2lWVWFTWGRuVVYyT0RIOHfSAaoBQVVfeXFMUGhvU2N6cS00MERyLVl6THFCa2xvbmd0MVVPWGljS2hyVG1KbTRsT0VYNTNqb1NFRlB4SUU5ak5zaXVhRWxobjY2VEhTb2JfeHkyZUFEVEQ5cDNqRUc5akdVSk9CcXZENmZwRGV1SW1RbFd5b3N4TnhRaTFsTmRTRDYyVGF6VE1NaVZQOXROcXljNG9IQ2lPd01hZ3hqQTkxVWpkS3M1azc0V3c?oc=5) · WCTV
- 2009-07-20 [Georgia man accused of 23 bank robberies across Southeast - Live 5 News](https://news.google.com/rss/articles/CBMioAFBVV95cUxPNU9ua2RtOXQzSmIxY2hHNnBPb2RYekFqeFVmM2JRVDNyUWN1OU9BWTlXbE5MOWNwSTdVT3FEdWQxN3pURUtURUZpT25kbVNMYnVibW0wYTZzNzBHdW5iUThoblNUb2NLSkVkV0J6Q2x5SFlZWFMtTUdaa3pTNW9URjNBRDZFaWJPZXp3VWs4ZjFTTjg2MDVVVWYtV0ZLZFNH0gGzAUFVX3lxTE1sSjNnN1hrdHpYRFQ5ZWZwV1YyYlZEdEhmMDNpSHo1ZHhVcXFnV1N5N1hneGVMSnNGZDJRNlRhSmhlS1NkUVdzM0ozcHItTzJyWE85b2RxNzRNS1daU3Z1SnNVUFVjSXBnUTdjRkg3eURMZlFEZnVLdS1rb3JhTk9WVl9ka19veEF3MVVSX0J4Yk9FV25lckNiejB4VkRWZ3RobjB0TWo2eDdic1QtbF83V01j?oc=5) · Live 5 News
- 2017-09-20 [SGB names Boyd senior VP, treasurer - Moultrie Observer](https://news.google.com/rss/articles/CBMigAFBVV95cUxQREhWQllxWkNFVVlHRVZVT2c5a09ESktnb2R0cXZ0TEJUcDVreDVtWWZUdjN4ckFja1dMTkRkV1RCZkJ1cDZEWkJxUzRZQ1NVWUNDOHBLLVMtYVRjVlRmY3FuSkdUcEZDcV95XzhJY1dIcmNROTdIRWxrM2s4SUdfRA?oc=5) · Moultrie Observer

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=2147 (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/35.json (key "2147", 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