SOUTH GEORGIA BANKING CO
OMEGA, GEORGIA · FDIC Cert #20198
Capital & Safety Analysis
According to FDIC financial data, SOUTH GEORGIA BANKING CO holds a Tier 1 capital ratio of 17.92%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning SOUTH GEORGIA BANKING CO has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
SOUTH GEORGIA BANKING CO shows strong financial health indicators. With $557M in assets and a Health Score of 92/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
SOUTH GEORGIA BANKING CO has a Bank Health Score of A (92/100). It holds a Tier 1 capital ratio of 17.92%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
SOUTH GEORGIA BANKING CO holds $557M in total assets and $485M in total deposits. It is located in OMEGA, GEORGIA (FDIC Certificate #20198).
SOUTH GEORGIA BANKING CO has a Tier 1 capital ratio of 17.92%, classifying it as "Well-Capitalized." The nonperforming loan ratio is 0.98%, and the return on assets is 2.13%.
Yes. SOUTH GEORGIA BANKING CO is FDIC-insured (Certificate #20198). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.