# GEORGIA BANKING CO
ATLANTA, GA · FDIC certificate 57071 · asset band $1-10B · 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 | $3.26B | |
| Deposits | $2.88B | |
| Loans and leases | $2.59B | |
| Total equity | $317.2M | |
| Loans / deposits | 88.99% (p56 of band) | 87.10% |
| Liquid assets / assets | 17.09% (p33 of band) | |
| Uninsured deposits / deposits | 44.10% (p81 of band) | 30.76% |
| Brokered deposits | 4.04% | |
| Wholesale funding | 4.04% (p41 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.78% (p56 of band) | 10.50% |
| Unrealized securities loss / equity | -1.33% (p85 of band) | -7.75% |
| AOCI / equity | -0.50% (p35 of band) | |
| ROA (annualized) | 1.05% (p34 of band) | 1.26% |
| Net interest margin | 4.21% (p78 of band) | 3.70% |
| Efficiency ratio | 64.03% (p66 of band) | |
| Noncurrent loans | 0.67% (p61 of band) | 0.51% |
| Net charge-offs (annualized) | 0.07% (p68 of band) | |
| Reserve coverage of noncurrent | 167.30% | |
| Real estate % of loans | 80% | |
| Construction % of loans | 85.02% (p81 of band) | |
| Auto loans | $212,000 (0.01% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $73.9M (23% of equity) (p93 of band) | |
| Deposits YoY | 37.9% | |
| Employees | 275 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | losing money, expense ratio p90, noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 5 | wholesale funding >15% |  |
| 2011-09 | 5 | brokered >10% | noncurrent p90 |
| 2011-12 | 6 | loans exceed deposits, capital falling | expense ratio p90 |
| 2012-03 | 5 | charge-offs p90 | losing money, capital falling |
| 2012-06 | 5 |  |  |
| 2012-09 | 6 | liquid assets <10% |  |
| 2012-12 | 6 | capital falling | charge-offs p90 |
| 2013-03 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving | wholesale funding >15%, brokered >10%, loans exceed deposits, liquid assets <10%, capital falling |
| 2013-06 | 3 | brokered >10%, wholesale funding >15% | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2013-09 | 5 | noncurrent p90, deposits shrinking, assets shrinking, uninsured deposits leaving | brokered >10%, wholesale funding >15% |
| 2013-12 | 5 | wholesale funding >15% | noncurrent p90 |
| 2014-03 | 8 | losing money, expense ratio p90, NIM <2.5% |  |
| 2014-06 | 8 |  |  |
| 2014-09 | 6 | brokered >10%, capital falling | deposits shrinking, assets shrinking, uninsured deposits leaving, NIM <2.5% |
| 2014-12 | 6 | loans exceed deposits, uninsured deposits leaving | losing money, capital falling |
| 2015-03 | 5 |  | expense ratio p90 |
| 2015-06 | 7 | liquid assets <10%, capital falling |  |
| 2015-09 | 5 |  | liquid assets <10%, capital falling |
| 2015-12 | 5 | liquid assets <10% | uninsured deposits leaving |
| 2016-03 | 5 |  |  |
| 2016-06 | 4 | capital falling | loans exceed deposits, liquid assets <10% |
| 2016-09 | 6 | loans exceed deposits, liquid assets <10% |  |
| 2016-12 | 5 |  | capital falling |
| 2017-03 | 6 | expense ratio p90 |  |
| 2017-06 | 8 | deposits shrinking, assets shrinking |  |
| 2017-09 | 7 | capital falling | expense ratio p90, assets shrinking |
| 2017-12 | 6 |  | deposits shrinking |
| 2018-03 | 5 |  | capital falling |
| 2018-06 | 5 |  |  |
| 2018-09 | 7 | deposits shrinking, assets shrinking, uninsured deposits leaving | brokered >10% |
| 2018-12 | 6 | brokered >10%, noncurrent p90 | wholesale funding >15%, loans exceed deposits, liquid assets <10% |
| 2019-03 | 5 | loans exceed deposits, liquid assets <10%, expense ratio p90 | assets shrinking, uninsured deposits leaving, brokered >10%, noncurrent p90 |
| 2019-06 | 6 | brokered >10%, wholesale funding >15% | deposits shrinking |
| 2019-09 | 7 | capital falling |  |
| 2019-12 | 6 |  | expense ratio p90 |
| 2020-03 | 7 | expense ratio p90, construction >100% equity | capital falling |
| 2020-06 | 5 |  | expense ratio p90, construction >100% equity |
| 2020-09 | 6 | capital falling |  |
| 2020-12 | 6 |  |  |
| 2021-03 | 5 | losing money, expense ratio p90, charge-offs p90, deposits shrinking | reserve under noncurrent, liquid assets <10%, brokered >10%, wholesale funding >15%, capital falling |
| 2021-06 | 3 |  | loans exceed deposits, deposits shrinking |
| 2021-09 | 6 | uninsured deposits >50%, capital falling, NIM <2.5% |  |
| 2021-12 | 6 | run vulnerability, loans-to-lenders >50% equity | charge-offs p90, NIM <2.5% |
| 2022-03 | 6 |  |  |
| 2022-06 | 5 |  | capital falling |
| 2022-09 | 5 | liquid assets <10% | losing money |
| 2022-12 | 6 | brokered >10%, construction >100% equity | liquid assets <10% |
| 2023-03 | 5 | wholesale funding >15%, uninsured deposits leaving | expense ratio p90, uninsured deposits >50%, run vulnerability |
| 2023-06 | 5 | capital falling | construction >100% equity |
| 2023-09 | 4 |  | capital falling |
| 2023-12 | 4 | construction >100% equity | wholesale funding >15% |
| 2024-03 | 5 | loans exceed deposits, wholesale funding >15% | uninsured deposits leaving |
| 2024-06 | 5 | charge-offs p90 | loans exceed deposits |
| 2024-09 | 6 | loans exceed deposits, capital falling | construction >100% equity |
| 2024-12 | 4 |  | charge-offs p90, loans exceed deposits |
| 2025-03 | 3 | uninsured deposits >50%, run vulnerability, expense ratio p90 | loans-to-lenders >50% equity, brokered >10%, wholesale funding >15%, capital falling |
| 2025-06 | 3 | loans exceed deposits, wholesale funding >15%, liquid assets <10% | uninsured deposits >50%, run vulnerability, expense ratio p90 |
| 2025-09 | 2 |  | liquid assets <10% |
| 2025-12 | 0 |  | loans exceed deposits, wholesale funding >15% |
| 2026-03 | 1 | loans exceed deposits |  |
| 2026-06 | 0 |  | loans exceed deposits |

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

- 2025-11-07 [Head of fast-growing bank continues family tradition of lending to small business - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxOek5fdGJBTExRUENqRGtaZXQwVk9zVEZHMXlpTHF3RGR6Vkd3aW1JblZ5YlJHYjhieFVHcS1XenR2YXFJZ1Y5bzBOUmd6b0ZjZ0UteG5vaF9QazZGeFBjOG13SHhaTzZmSW1OclhLa01fYzJWVzY5dTVzUE9LZmRkaWl0OEEwTVVvMG5ELUpjRUcwVUl2WVpxS0w2QmlEUWFraWpDLWxQTVp3Vzg?oc=5) · The Business Journals
- 2020-12-29 [South Georgia Banking Co. marks 50 years - Moultrie Observer](https://news.google.com/rss/articles/CBMihwFBVV95cUxQTGRGZmllaFl2V1UyN2NkUE9URWhXekdSYTdXQ3FXdzI3amNEaFdDZ1A1cmpzQkZwQXdKQUNVcXNoX0J0MGxiUTRZUktRNkowemF5UW9hSGprMlRjMEFwNzVvd0NmVGlKUm5VNUJ2SU5JeHhBaWFCY3ZnVGc4TUIyTzdpdWdBWTA?oc=5) · Moultrie Observer
- 2020-09-08 [Investor group to buy Georgia Banking Company - American Banker](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPVXNSRFZma0Z4bDVVVENtRF9YMGVIUnA0dVpSZzJ5d3Z0cHlUQjdDV3R2V3RGSWlEYUlVYTNRV0xKLWlIaE9NMC1lMVR4dmduN2s3a2hSOVRUYndERlphbkpuNUFLamYwT0hVcTlwNnFkN1ZYd2I2WjdIbnBxdjhxNGJ6UWNVb01n?oc=5) · American Banker
- 2017-11-30 [GBC’s Miller Elected as Community Banking Director - Atlanta Jewish Times](https://news.google.com/rss/articles/CBMijgFBVV95cUxONmI5TzhCUWJFRDdMM1BKOWkzMWJGNHdlZ3lONmwzWERCNUNZVFFHV0pMN1Y4bUJDZUpiMUxya21tTFBWS0dfYzRWSkZBNGtrbU4xVVV3LXRzWWQ4YWh6cWp0LVYwWVkwbFFZbFBSMTVmXzBWV0d4eW1NUGFBQVF0cDJ1S090QmhKaEVNWndn0gGTAUFVX3lxTE9VYTNxTlZ0b1FhM0tkU0J4LV9WYmdIQ2JrU0FYTkQ3bHcxODZ1blBsZWRwRnVLSTFtT1FWVVhOZnNQNUoxejNBRmJ3WHlkT2NZSkNfVkR2eHkyT2ZSSUlTMDJweklPRzVYZWRSVzlrTW9FQ3VBcEhrZUp5TDBzb0s5ZUZId25weWhJVm81bG9PTHVUZw?oc=5) · Atlanta Jewish Times
- 2011-04-17 [CashTrans targets small banks with a new ATM initiative - ATM Marketplace](https://news.google.com/rss/articles/CBMinAFBVV95cUxNT3pRYTVzcHBjS01fSUlKcW55SzRSOWpvOXY1THctRE05MTJoTFRtSG14cVp0V3NHcW9oQjBndVJmbWVYUDQ4QzFFWjA0U0xReWZwTi03QnNzTEFsdnpfMkpHaEZxVV9WdmdQY2hDdEFlTnRYVGJ1Q0hXOXVqcDhFVFBkRDFfWW5BRFZRS0hxZzc5Qzh2NEY4aUhOcTA?oc=5) · ATM Marketplace
- 2012-08-04 [FMB names new president, chief executive officer - Statesboro Herald](https://news.google.com/rss/articles/CBMikAFBVV95cUxQUkZWNHRtQVd4WUlhOVZpUWFfblR5aTlkRjRhUmJLd1R0SlhxM05TOVk0SmlfamtWNHFyUlI1OU0wTUdZdDB3WlZ5RWtlLUI3YVZpNkpKaXQyd3FDdXRGVG8xUXJlaHN3MHZ5RE56QjM5b3h4M0VXVm9PMzRNTzljeGNDMUItSUxqcW8xaGJLczY?oc=5) · Statesboro Herald
- 2011-05-27 [Savannah's newest bank, CertusBank, sprang from unusual beginnings - Savannah Morning News](https://news.google.com/rss/articles/CBMivgFBVV95cUxQeWpGT1NHMDR0OVZTSm5oWm9XSFd1WVl0SmNJMkxjWWFySGFQck9GaVpDS1VDRndtTGozSDVEZmp5dlJZM1dha0lLNW5wdWMzcVh2VlFkcUFWallpdUJOUFczREV4YVRHNndiWWx1a1BHTVF3dFd2UGhSNU9KTTdkdVpQZFpfNUpQcDlQNS1CWVMyZGlKbFREMHdHTGl2Mk5YQkpBVTRURjlGckhpcW1BLXMxT1Y1TU5nV1pFYlV3?oc=5) · Savannah Morning News
- 2023-12-21 [Killer Mike and T.I. Receive A $1.2M Loan To Open Bankhead Seafood Restaurant In 2024 - AfroTech](https://news.google.com/rss/articles/CBMimgFBVV95cUxQa1RaRlUzZVBMT0N3RXVRRXB3ZEpWMVM4R3hMbk9UcWZBak1OSFFucGFGUi03Wnh4ZGw0VEJzRFZCc2Iya29QVGlIMGhfRE94VmcxMERPN0ZZMkRUczR1bnMyZW5jLWJXVnFNaWJuaXdfVWQyMjMxYWF6OFpfS0R3YS1RZnh4ZHl5NncxQllwdExyN0N6bXNtMXFR?oc=5) · AfroTech

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57071 (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/47.json (key "57071", 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