# GEORGIA FIRST BANK
SOPERTON, GA · FDIC certificate 889 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. 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 | $290.8M | |
| Deposits | $259.5M | |
| Loans and leases | $245.5M | |
| Total equity | $29.5M | |
| Loans / deposits | 93.07% (p84 of band) | 73.59% |
| Liquid assets / assets | 13.28% (p8 of band) | |
| Uninsured deposits / deposits | 27.65% (p76 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.52% (p18 of band) | 11.76% |
| Unrealized securities loss / equity | -0.05% (p91 of band) | -6.57% |
| AOCI / equity | -0.33% (p53 of band) | |
| ROA (annualized) | 1.86% (p82 of band) | 1.17% |
| Net interest margin | 5.43% (p95 of band) | 3.93% |
| Efficiency ratio | 59.85% (p35 of band) | |
| Noncurrent loans | 0.07% (p32 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p20 of band) | |
| Reserve coverage of noncurrent | 2203.26% | |
| Real estate % of loans | 80% | |
| Construction % of loans | 55.30% (p82 of band) | |
| Auto loans | $4.6M (1.85% of loans; DQ 1.27%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 13.1% | |
| Employees | 49 | |

## Flags firing in the latest filing

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

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | losing money, reserve under noncurrent |  |
| 2011-06 | 3 | charge-offs p90 |  |
| 2011-09 | 3 | capital falling | reserve under noncurrent |
| 2011-12 | 4 | noncurrent p90, reserve under noncurrent | capital falling |
| 2012-03 | 6 | deposits shrinking, assets shrinking, uninsured deposits leaving | noncurrent p90 |
| 2012-06 | 4 |  | deposits shrinking, uninsured deposits leaving |
| 2012-09 | 6 | capital falling, expense ratio p90, uninsured deposits leaving | assets shrinking |
| 2012-12 | 4 | leverage <7% | charge-offs p90, reserve under noncurrent, uninsured deposits leaving |
| 2013-03 | 2 | charge-offs p90, reserve under noncurrent | losing money, capital falling, expense ratio p90, leverage <7% |
| 2013-06 | 0 |  | charge-offs p90, reserve under noncurrent |
| 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 | 1 | capital falling |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 0 |  | capital falling |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | capital falling |  |
| 2017-09 | 0 |  | capital falling |
| 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 | 1 |  |  |
| 2019-09 | 0 |  | capital falling |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | charge-offs p90 |  |
| 2020-06 | 0 |  | charge-offs p90 |
| 2020-09 | 1 | charge-offs p90 |  |
| 2020-12 | 2 | capital falling |  |
| 2021-03 | 1 |  | charge-offs p90 |
| 2021-06 | 0 |  | capital falling |
| 2021-09 | 0 |  |  |
| 2021-12 | 1 | capital falling |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 0 |  | capital falling |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 1 | capital falling |  |
| 2023-06 | 0 |  | capital falling |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 1 | charge-offs p90 |  |
| 2024-09 | 0 |  | charge-offs p90 |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 1 | charge-offs p90 |  |
| 2025-12 | 0 |  | charge-offs p90 |
| 2026-03 | 1 | capital falling |  |
| 2026-06 | 1 |  |  |

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

- 2021-07-23 [First National Bank acquisition complete - Gainesville Times](https://news.google.com/rss/articles/CBMingFBVV95cUxNVzE3cFlEakMwUnQtUnhydmJGZDJEUldhejByZWVWemJGTHdHODZ2MzRUOTVubTZhNjhqbkt5OW1TZTNIOS03VEtnYzZFajJHWmIxdDVqeVNVaktKU1QwcEw3clA4TDhSQzRjQUFpdTFCTkZ4b055SkdhTHhha0x4S3F5MGlhemVHeEJ1bFJXZTVFSWJwSVRSckRUV2Y5Zw?oc=5) · Gainesville Times
- 2025-06-06 [Bill Clontz Obituary Aug 5, 2024 - obituary.companionfunerals.com](https://news.google.com/rss/articles/CBMiY0FVX3lxTE1nUDdKelRjbU9SeVFTTVV5UnFSUURKRkFKdUhJWGlhZVBQTGNaZEphS3dTQ2hrUnoySUNMYVIxcFUzQktzZHJmYk5yTUdqaVZROFdPMnhTc1dCWERKRS13SFltdw?oc=5) · obituary.companionfunerals.com
- 2026-03-18 [Andrew Walker Obituary (1952 - 2026) - Gainesville, GA - gainesvilletimes.com - Legacy obituary](https://news.google.com/rss/articles/CBMimAFBVV95cUxOOFkyUGlaa3F4R0tlU3JSbHZ1MWRZUTZWemtqRThWUXJORFVvazY4SlJqZnpjY2k5STJ0cHBVaDg3NFNheC1wSi1CY0RnMUlOMmVuN0J4U3BpZ0d5R0szc2RJWFYtamx6Wjh2dXRQc2ZyeVAxUHVLWUc4UHJVa3VncUVpWFhHNGV4Q1owVWhIa09jWHY4OUhibw?oc=5) · Legacy obituary
- 2026-03-24 [You Can Eat In A 250-Year-Old Pink Mansion In Georgia—Ghost Sightings Not Guaranteed - Southern Living](https://news.google.com/rss/articles/CBMib0FVX3lxTE9tZlQxU1l3V1d0TkVtbF9Pd1lTRHFyNlZCQzhTWnFTWnRaYUM5RnhxajVoTV9qSVlqSllaS3Y1Snd4YXl5N3pnNy14QlVHaDFmOFRCVVRHYkRzS285UzVhYlBGLU1ydGk1WS11WnVMNA?oc=5) · Southern Living
- 2025-03-13 [10 Best Romantic Things to Do in Savannah, GA - USA TODAY 10BEST](https://news.google.com/rss/articles/CBMif0FVX3lxTFBXLVhNUFVvZVJqNVlfUndDYVpUbEZBUDNsa1hveVpLdXJ2VzlvVndiVGM5VmU5dDd1OFdpRUV6bTBWZnJTc0hqTzZkamFmQmd6Z3FBV2FFa0hpck1jT0hwckN4ZWo5TUNZTXhPWTd2UUI3MFlTUTN2bmh4WmlKOGc?oc=5) · USA TODAY 10BEST
- 2026-05-09 [Edgar Henry Chambers Jr. Obituary (2026) - Gainesville, GA - Memorial Park Funeral Home North Riverside Chapel - Legacy obituary](https://news.google.com/rss/articles/CBMigwFBVV95cUxPNzJDVWt0TUtHRkktdU9oSVNMQ0JtRXJDb1Y4bXJyNzVNNnNWOWVNMnE4cEdoaUpiQlJvZmpXQ042VU01MkVtUXBkeEdiYm5DX2JlVVFXekZiR1ZsVzB6YnplTEpFV1M3NXJYMVFHZTk4MWF0eUNyTEVYX2ttY3JZbnBvcw?oc=5) · Legacy obituary
- 2021-10-26 [Savannah’s Olde Pink House is the most haunted spot in the U.S. - AJC.com](https://news.google.com/rss/articles/CBMitgFBVV95cUxQenIwbTNGZEl2dHJLMTNsQk1iZGZvWWVtWGUwWmszdml2X2EzX1BrdXQxRTB3bFB4aEgzVnV5cVBOeEI5cWFjQzlpUG55bl9XMEdncms5ZXNqTk41aHh4T3p3empwT3RMWklDVHZpeFROVjNra3RnUnB1ODRIM1dNWU52UXc1VVBFRFZLNVFFM0dsaWhGSUtUdkpSZ3FJVlJSUjk4WGd2dkhnNkpkWERrMFJ5ZnA4dw?oc=5) · AJC.com
- 2026-07-05 [Billy J. Morgan Obituary (2026) - Soperton, GA - Sammons Funeral Home - Legacy obituary](https://news.google.com/rss/articles/CBMigAFBVV95cUxNcTlaUTZhRENzc0JwYkctbWstQzd6Nm4xNGlnVGZQRFpPQVNvdmFSd1c5TnlMQkJJSVJqOXo0Wm1PV1A2SHBQblpMeVBNZnFfTEdicXhlOHpuQXlRTmExdDN2Q1NUMldSVkkzdjZjZW9pTnpZTVROcXFadHk4Yy1DXw?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=889 (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/57.json (key "889", 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