South Georgia Banking Co Safety Rating
South Georgia Banking Co's safety rating is grade A, a Bank Health Score of 92/100 built from FDIC call report data. That ranks #549 out of 3,960 FDIC-insured banks nationally (top 14%). The rating weights Tier 1 capital (35%), loan quality (30%), liquidity (25%), and profitability (10%); South Georgia Banking Co's best component is Tier 1 capital (100/100) and its weakest is loan quality (80/100).
This page answers a common banking-safety question: South Georgia Banking Co Safety Rating. The answer draws on FDIC Call Report filings, the quarterly disclosure every FDIC-insured bank submits covering capital, assets, loans, deposits, and earnings. Call Report data is one of the most comprehensive bank-level public-records systems in the U.S. financial system. Why this matters for depositors: most U.S. consumer deposits are FDIC-insured up to $250,000 per depositor per insured bank, so bank failure does not directly threaten typical retail deposits within that limit. But the bank-health analysis is still useful for above-limit deposits (small businesses, treasurers, high-net-worth depositors) and for understanding the broader stability of regional banking.
The detailed answer below uses the actual FDIC Call Report numbers, explains how to read them, and translates the regulatory accounting into the depositor-relevant interpretation of the question.
South Georgia Banking Co Safety Rating Breakdown
- Overall rating
- Grade A (92/100)
- National rank
- #549 of 3,960
- Tier 1 capital (35%)
- 100/100
- Loan quality (30%)
- 80/100
- Liquidity (25%)
- 92/100
- Profitability (10%)
- 100/100
Source: FDIC Call Report data. The BankHealth safety rating is an editorial composite, not an official regulatory rating.
A grade A rating places South Georgia Banking Co among the stronger FDIC-insured banks on the composite — strong capital with manageable risk on the other factors. Nationally it ranks in roughly the top 14% of the 3,960 banks we score.
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.
Frequently Asked Questions
South Georgia Banking Co's safety rating is grade A, a Bank Health Score of 92/100 built from FDIC call report data. That ranks #549 out of 3,960 FDIC-insured banks nationally (top 14%). The rating weights Tier 1 capital (35%), loan quality (30%), liquidity (25%), and profitability (10%); South Georgia Banking Co's best component is Tier 1 capital (100/100) and its weakest is loan quality (80/100).
The BankHealth safety rating converts four FDIC call report metrics into a single 0-100 score and an A-F grade. It weights Tier 1 capital ratio (35%), the inverted nonperforming-loan ratio (30%), liquidity ratio (25%), and return on assets (10%). For South Georgia Banking Co: Tier 1 capital scores 100/100, loan quality 80/100, liquidity 92/100, and profitability 100/100 — combining to 92/100 (grade A).
South Georgia Banking Co's Bank Health Score of 92/100 is 16.0 points above the Georgia state average of 76/100. 123 FDIC-insured banks are headquartered in Georgia.
Yes. South Georgia Banking Co (FDIC certificate #20198) is FDIC-insured, meaning each depositor is covered up to $250,000 per ownership category if the bank fails. FDIC insurance protects checking, savings, money market, and CD deposits — it does not cover stocks, bonds, mutual funds, or annuities.
More about South Georgia Banking Co
South Georgia Banking Co's safety rating is grade A, a Bank Health Score of 92/100 built from FDIC call report data. That ranks #549 out of 3,960 FDIC-insured banks nationally (top 14%). The rating weights Tier 1 capital (35%), loan quality (30%), liquidity (25%), and profitability (10%); South Georgia Banking Co's best component is Tier 1 capital (100/100) and its weakest is loan quality (80/100).