# SOUTH GEORGIA BANK
GLENNVILLE, GA · FDIC certificate 32532 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 (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 | $269.5M | |
| Deposits | $241.3M | |
| Loans and leases | $137.2M | |
| Total equity | $23.9M | |
| Loans / deposits | 55.41% (p25 of band) | 73.59% |
| Liquid assets / assets | 47.34% (p75 of band) | |
| Uninsured deposits / deposits | 32.37% (p86 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.60% (p34 of band) | 11.76% |
| Unrealized securities loss / equity | -18.94% (p24 of band) | -6.57% |
| AOCI / equity | -0.29% (p54 of band) | |
| ROA (annualized) | 1.85% (p82 of band) | 1.17% |
| Net interest margin | 4.36% (p70 of band) | 3.93% |
| Efficiency ratio | 52.88% (p19 of band) | |
| Noncurrent loans | 0.16% (p39 of band) | 0.36% |
| Net charge-offs (annualized) | 0.13% (p89 of band) | |
| Reserve coverage of noncurrent | 1565.77% | |
| Real estate % of loans | 76% | |
| Construction % of loans | 55.14% (p82 of band) | |
| Auto loans | $1.5M (1.09% of loans; DQ 0.73%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 7.8% | |
| Employees | 47 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 5 | losing money, noncurrent p90, charge-offs p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 4 |  | losing money |
| 2011-09 | 4 |  |  |
| 2011-12 | 5 | losing money |  |
| 2012-03 | 4 | capital falling | charge-offs p90, losing money |
| 2012-06 | 4 | charge-offs p90 | capital falling |
| 2012-09 | 4 |  |  |
| 2012-12 | 3 |  | construction >100% equity |
| 2013-03 | 5 | construction >100% equity, deposits shrinking, assets shrinking | charge-offs p90 |
| 2013-06 | 2 | charge-offs p90 | noncurrent p90, construction >100% equity, deposits shrinking, assets shrinking |
| 2013-09 | 1 |  | reserve under noncurrent |
| 2013-12 | 1 |  |  |
| 2014-03 | 0 |  | charge-offs p90 |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | uninsured deposits leaving |  |
| 2014-12 | 0 |  | uninsured deposits leaving |
| 2015-03 | 0 |  |  |
| 2015-06 | 1 | construction >100% equity |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 0 |  | construction >100% equity |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | capital falling |  |
| 2018-06 | 0 |  | capital falling |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | capital falling |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 1 | charge-offs p90 |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 | capital falling | charge-offs p90 |
| 2022-06 | 3 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 2 |  | capital falling |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 2 | capital falling |  |
| 2024-06 | 1 |  | capital falling |
| 2024-09 | 0 |  | securities losses >30% of equity |
| 2024-12 | 1 | securities losses >30% of equity |  |
| 2025-03 | 1 | capital falling | securities losses >30% of equity |
| 2025-06 | 2 | securities losses >30% of equity |  |
| 2025-09 | 1 |  | securities losses >30% of equity |
| 2025-12 | 0 |  | capital falling |
| 2026-03 | 1 | charge-offs p90 |  |
| 2026-06 | 1 | capital falling | charge-offs p90 |

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

- 2019-12-18 [South Georgia bank enters Augusta market - The Augusta Chronicle](https://news.google.com/rss/articles/CBMiqwFBVV95cUxOc1pMR1dDdzlUVldTR1FYRThkVk1PWGl1MHQ5X3JXdnhGMjdCOFhQT2xvNDR4NEtORWhXQnB5SHNXS2ZJck8zSkdSbWhNMmEtVUdFcEswUnczYW85OVpuWENlTEdBV3R2SWlsNUFMZTNzWnVPQVJ5RDhoWUVncVJnZGItQ3lOOWoxQXBZLVdDbndYQW42Ul9FVm1pZUpyUUtpMFlTZ2R2ajRMSTg?oc=5) · The Augusta Chronicle
- 2020-12-29 [South Georgia Banking Co. marks 50 years - Moultrie Observer](https://news.google.com/rss/articles/CBMihwFBVV95cUxQTGRGZmllaFl2V1UyN2NkUE9URWhXekdSYTdXQ3FXdzI3amNEaFdDZ1A1cmpzQkZwQXdKQUNVcXNoX0J0MGxiUTRZUktRNkowemF5UW9hSGprMlRjMEFwNzVvd0NmVGlKUm5VNUJ2SU5JeHhBaWFCY3ZnVGc4TUIyTzdpdWdBWTA?oc=5) · Moultrie Observer
- 2025-01-05 [Heritage buying five south Georgia bank branches - Albany Herald](https://news.google.com/rss/articles/CBMihgFBVV95cUxOcTdBdVlMSjBXdU14Tk43ZnZESzh5Nm5mUVVISVJqRzBPQW1CeWo4WjdtQXFrMmxaSnQtNHI3VGtCN05wSkpXaHo4YTdkR1Bkc0QwaTg2dDNKWDR0YUQwcEg3M2tEYWxZRGlRZkxvUm9Ha09BRllJS3ZOYXUzQ3V4ckFRVnUxUQ?oc=5) · Albany Herald
- 2016-08-22 [There's a new way to bank in South Georgia - WALB](https://news.google.com/rss/articles/CBMihAFBVV95cUxQQWJBR1RWMUhsd0E2WWcxVGFwUDVwS21CYUdhbTlyZDJPQmxOR1lYSFJjcXZCSF9lX3J1YWZrM2ktYkxhdFRvVnFqVTRIc3hfaXJqamxlN09acVpHY3BvTkg4bEM1ZkZOT2JOZ3Y5a2poWnZWcXFWenF1TzJxckpBU1hUQ07SAZcBQVVfeXFMTjdPUG4ybWlZNk1zcEsxV0Y0LUkxYmUtSHItMG5ncUM3NkVwTmhqc2dVT3VvdFpCZUp5eDQyN21DelB0Q2FsaE40THJLeWdINHA5dWwzdzUzUnhEaUJ3RWRxQTJoV1dOeU03a0tPWm96ajhFeXR5NGFsa0NNYmRLanJPSEJjemN2WFZVTWFfNTRtRUtzWGxTaw?oc=5) · WALB
- 2009-08-14 [South Georgia Bank unveils logo - Coastal Courier](https://news.google.com/rss/articles/CBMihAFBVV95cUxNR1EtRUNVbHpvb25EMXR3V3hyTEFnSkxtVU5NbTRDcEhtTU14eDdSbG0ybV9iNGVhSFltZzd0ckZQa1FXZFp1OTViMHVQNVhlU2ZWdm51YjA5amVqZFBoZWdsekE2d2h6UWdtQzkybXV2OXYxdFpMdkJNM09ydzlreDFFTUk?oc=5) · Coastal Courier
- 2024-07-24 [Sam McCard appointed to South Georgia Bank Holding Company Board of Directors - Moultrie Observer](https://news.google.com/rss/articles/CBMiugFBVV95cUxQeDNhNVBVeWhvUktKU19OMHNFZXFKU0ZTRW1ja2YweUZDeC1BNDZQakFUR21NRk83QXVaX0V1dzYybGxDRVBwNVNwMFdqcVh2X3QxOUZ3R0s1S2JsbEtqcWx2aFRlNWNaSmN4dGZ2V1NkeE0xWTVqR2dJRU9WdEVFaHNEbWtUZTBWa2R0LWgyc1JpNmdrcFVfNkFiOVk2QzlpTWdTamhuaUdXQzFMb1hya2RaQ3duMERzNnc?oc=5) · Moultrie Observer
- 2013-12-31 [Georgia Banker Accused Of Stealing Millions Seeks Bond - WCTV](https://news.google.com/rss/articles/CBMijwFBVV95cUxPYnlwRHJGZXE0N0pHQlNRRjRjLXFrTVRURFlFbllXQWtxd0tOOGVIUmVBRDNmTFIwclg2S0Z3MmVXckNkSVFIOWREdTJ1MzhNaUl6WjVFM0ZxcFJmd1FTeHRqd3B3M1BhWUlOZTZxYjFsTUtRWDhKRnRDRG5fV1JLakJFMk1pbE83WktPeVY5aw?oc=5) · WCTV
- 2014-06-23 [FL siblings to be resentenced in GA bank robbery - wtsp.com](https://news.google.com/rss/articles/CBMiowFBVV95cUxPQ3Y3S1BlVk8yN19uUzZQbmk1ZnJ5LUZxeEg2b3dJMEMxb1p4a2c1X0V4cnk1dTA3OEJ4V0I4eTNYTm9MUk1EbC1zVEkyNmhUY01Cc2VaYzlVS2VyZERNNkdzTTg5VV8ycUZyUHRSVU1CekJqX1lWaDF1WHZ6bTFDeGYzSVlOWWg0WUlGbXRHbHdYMUFCb0N6NHhGOUpSWU9zck5V?oc=5) · wtsp.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=32532 (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/20.json (key "32532", 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