# FIRST BANK OF GEORGIA
AUGUSTA, GA · FDIC certificate 27423 · asset band $300M-1B · latest filing 2015-06 · stopped filing (departed)

**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 | $551.1M | |
| Deposits | $432.6M | |
| Loans and leases | $350.8M | |
| Total equity | $85.0M | |
| Loans / deposits | 80.98% (p48 of band) | 82.05% |
| Liquid assets / assets | 24.59% (p47 of band) | |
| Uninsured deposits / deposits | 25.60% (p71 of band) | 19.19% |
| Brokered deposits | 1.64% | |
| Wholesale funding | 3.78% (p36 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.97% (p79 of band) | 10.09% |
| Unrealized securities loss / equity | -0.79% (p17 of band) | 0.40% |
| AOCI / equity | -0.54% (p37 of band) | |
| ROA (annualized) | 0.94% (p52 of band) | 0.91% |
| Net interest margin | 4.26% (p87 of band) | 3.56% |
| Efficiency ratio | 73.67% (p63 of band) | |
| Noncurrent loans | 0.05% (p7 of band) | 0.80% |
| Net charge-offs (annualized) | 0.01% (p41 of band) | |
| Reserve coverage of noncurrent | 287.36% | |
| Real estate % of loans | 91% | |
| Construction % of loans | 97.00% (p90 of band) | |
| Auto loans | $1.3M (0.37% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 3.5% | |
| Employees | 160 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | construction >100% equity |  |
| 2011-06 | 2 | reserve under noncurrent |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 1 |  | reserve under noncurrent |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 0 |  | construction >100% equity |
| 2013-12 | 1 | construction >100% equity |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 2 | expense ratio p90 |  |
| 2015-03 | 0 |  | construction >100% equity, expense ratio p90 |
| 2015-06 | 0 |  |  |

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

- 2014-06-24 [Bank merger would combine Augusta's First Bank of Georgia with Atlanta financial corporation - The Augusta Chronicle](https://news.google.com/rss/articles/CBMiwwFBVV95cUxOMTl0SGxFMmRTM1dsbDhCUVM2aWJmcHZUOHlydUUzajRMOF9SQWZOdklmSGFWRlpwZ0lRb2Z2Ung1a0JsX1RXWGY0V0F6eUxYcGd4cjdSd3JIMlllTkY1YVhKWHlaQk1ObWZuZjQxb2V5QW83TS12aDZGM1FDalV2VkNzVVlMZ0xmWk1QOE9zWko1ODRUWkk3V3pMT1pmTmJNb0ZqWXFtcTljdFZqTGp2NVBxWjBBSVhIemJ5X1NzLXZLRHc?oc=5) · The Augusta Chronicle
- 2024-11-08 [Pat Blanchard Obituary - Thomas Poteet & Son Funeral Directors](https://news.google.com/rss/articles/CBMiY0FVX3lxTE81MmgyazhtdUZxcDlfSVJFOHFwTGtKVFRXSGhJSkpFV25wUGNmOFZfOUFjZ0RYZi03TXdIbTA1eUs2TXJ2dkxTVE9hQ1g0WWF6cUt1amNHLVhJb2o4T1ZEYm9TOA?oc=5) · Thomas Poteet & Son Funeral Directors
- 2019-12-18 [South Georgia bank enters Augusta market - The Augusta Chronicle](https://news.google.com/rss/articles/CBMiqwFBVV95cUxOc1pMR1dDdzlUVldTR1FYRThkVk1PWGl1MHQ5X3JXdnhGMjdCOFhQT2xvNDR4NEtORWhXQnB5SHNXS2ZJck8zSkdSbWhNMmEtVUdFcEswUnczYW85OVpuWENlTEdBV3R2SWlsNUFMZTNzWnVPQVJ5RDhoWUVncVJnZGItQ3lOOWoxQXBZLVdDbndYQW42Ul9FVm1pZUpyUUtpMFlTZ2R2ajRMSTg?oc=5) · The Augusta Chronicle
- 2016-01-29 [First Bank-State Bank merger transition has been smooth, officials say - The Augusta Chronicle](https://news.google.com/rss/articles/CBMi2AFBVV95cUxOOUxYWFhDMEJsQ1RoMTVFczh5SmZTSnpiZVlabzZ6WHdHalFwbUZWMTRoYVhXeWdXUmJCTWh1cER6WHVXR2NHWVdVOVhRclloNmdWTUZYelhpelpuWHQ4dzV6Y2FKM2JHTFFVQ1hfQm9xSDYyb1ZVYmpBMXdKUHZKc3FiTkdCZWFNR3ZZMXU1eWRUX0pHQmMxVnRuSEZlUmxQRG83enFTUXIxd0ZfVDBsaWxJSkpWbmRQUTUxcGdid2YzdkhjdUY5aXh5XzZJTnVOV1JsOEE2Zk8?oc=5) · The Augusta Chronicle
- 2012-07-11 [First Bank of Georgia branch coming to Evans - The Augusta Chronicle](https://news.google.com/rss/articles/CBMi3gFBVV95cUxPVUtxN1AyVUdYSkdmMWprdXctN3M4OXZnY1psNmFQSzFkN3g5NS1wN3NvRXlwRmcyNVFBTkNHT3BzRUk1ZVV4UTB4TG05THd0djVvZUdyU1VfQ25xZ1hwOVdxc1ZMa3R1MklwQ3Vrc0xOLTVodUQ4RVgzS2c3RDJBMS1nc1hVakl5WmhaSlJ2RUlNdlRncmVnVWxENi1uWl9SYkd1MW9ueGVKVTQ1ZW40Z0NDSEhjN1VaQkNseEg4TVlISUJWOERDZzBBNThYQ0tNRno1ZlJwVHZ6TTFKVVE?oc=5) · The Augusta Chronicle
- 2015-07-30 [Augusta banker named president of State Bank & Trust - The Augusta Chronicle](https://news.google.com/rss/articles/CBMiuwFBVV95cUxNNFN3ckJLd0hTSl9NcU9YRElGQmxGZmNSam4tMUNHbi1aVmExNjlCT3FzS1h3NjNub1JWMTdDWldpMkFGVDlwZ3V1SmlwT3dlckotQmp2R1lzUVFkc0tsV0tJSTlXZFJTZ1YwT1VPeFdoYlRMNnlmR2NabDNQc2tIRWJ6YXJ6bEhMZm9IenlyRVJCV1BBVmUxVGRsM3k1aVZSQ2g3SFNVTFVvbkFrNk1sYXA3eURLMVhKTDFB?oc=5) · The Augusta Chronicle
- 2016-09-03 [Scuttlebiz: Area has lots of old banks, but new names - The Augusta Chronicle](https://news.google.com/rss/articles/CBMitwFBVV95cUxPNEp3UHNFWmRpQUVlM29nN283M0xJNVNUNzZad3NJTFNQUEkwUjhGSndiQVVXaDZIV2lraGxGbHlKckE2UzZEWFhKaDZLcnU5RlE2eDVCUlhGYkJnSVR1emw4OEFoU1ROU0U0RmxydW1TWDNKZlg3UkwxYXZqNHlBc0NreVQwdTJfaVpFeXZ5b19wTjZHMGcyQXlySjQwci05eTlEb09mbVdqdms3SmtMZHVKejJyVmc?oc=5) · The Augusta Chronicle
- 2014-12-05 [Georgia-Carolina Bancshares shareholders approve acquisition by State Bank Financial Corp. - The Augusta Chronicle](https://news.google.com/rss/articles/CBMizAFBVV95cUxQUi1EdWlXblNpQ0lELXFEdFI4c0poUGt0SE80ZjN4REk4S3hlMVhNZGRkcUd4SFdHemxiWnpqOHNGUl9pNmd4cG1WVEFORFpXOU0xMTNBLW93ckZDV0ptaVg3bnNia0RnUk1FcmJrR3VXNkw3VlBiVlpBLUpuUTRsRVBCSTFKRFp3WWwyYkp1NGkwWWprYWcxd1NYcV94ODkwZ0M1RUFwNC1UUlh6R0VWM0dQNU91UVgtY05Ma21DOEtudHpKQWRPd0FRQ0Y?oc=5) · The Augusta Chronicle

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=27423 (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/31.json (key "27423", 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