Is South Georgia Banking Co Safe?
South Georgia Banking Co has a Bank Health Score of 92/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while loan quality is its weakest area (80/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 17.92% | 100/100 |
| Nonperforming Loan Ratio | 0.98% | 80/100 |
| Liquidity Ratio | 27.91% | 92/100 |
| Return on Assets | 2.13% | 100/100 |
| Total Assets | $0.6B | |
How does South Georgia Banking Co compare?
With a Bank Health Score of 92/100, South Georgia Banking Co sits 22.0 points above the national average of 70/100 for FDIC-insured banks. Within Georgia, where 123 FDIC-insured banks are headquartered, South Georgia Banking Co ranks above the state average of 76/100 (Grade B).
The bank's Tier 1 capital ratio of 17.92% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.98% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, South Georgia Banking Co's Bank Health Score fell by 7.0 points to 92/100. Tier 1 capital weakened by 0.67 percentage points to 17.92%. Quarter-over-quarter, the score fell by 7.0 points.
South Georgia Banking Co has a Bank Health Score of 92/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while loan quality is its weakest area (80/100).