Safest Banks in Georgia 2026
Georgia has 123 FDIC-insured banks with an average Bank Health Score of 76/100 (B). The safest bank is Commercial Banking Co with a score of 100/100.
Data from FDIC Q2 2024
123 Georgia banks are ranked below by the BankHealth composite score. The composite weights Tier 1 capital ratio (35%), inverted non-performing loan ratio (30%), liquidity ratio (25%), and return on assets (10%) into a 0-100 grade.
Top-of-list banks combine strong capital with clean loan books and reasonable profitability. Bottom-of-list banks face pressure on one or more scoring factors — most often elevated NPL ratios or thin profitability margins. Each bank links to its full profile with multi-quarter trend charts, the four composite factor breakdowns, and the underlying FDIC Call Report data.
Georgia's 123 FDIC-insured banks hold a combined $148.4B in assets. Their average Bank Health Score of 76/100 sits 6.0 points above the national average of 70/100. Across the state, 69% of banks earn an A or B grade for financial health, while 7% fall to a D or F.
The largest bank headquartered in Georgia is Synovus Bank with $59.5B in assets and a Bank Health Score of 71/100. The strongest by score is Commercial Banking Co in Valdosta (100/100, Tier 1 capital 18.14%). The weakest is First Fs&la of Valdosta at 30/100, dragged down by an NPL ratio of 1.33%.
All scores below come from the latest FDIC BankFind Call Report (Q2 2024). The Bank Health Score weights Tier 1 capital ratio (35%), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%) — the four metrics regulators watch most closely when judging whether a bank is well-capitalized. Every bank with FDIC insurance covers up to $250,000 per depositor per ownership category, but the score helps you tell apart banks that are comfortably well-capitalized from those operating closer to the line.
Top 3 Safest Banks in Georgia
Commercial Banking Co
Valdosta, GA
Georgia's top-rated bank, with a Tier 1 capital ratio of 18.14% — well above the federal "well-capitalized" threshold of 8%. Holds $355M in assets.
Cibc National Trust Co
Atlanta, GA
Second-strongest in the state on capital and loan quality. NPL ratio sits at 0.00% with $354M in total assets.
Citizens Nb of Quitman
Quitman, GA
Third in the rankings on the Bank Health Score. Liquidity ratio of 34.50% and ROA of 1.90%.
Top 20 of 123 Banks in Georgia
| # | Bank | City | Grade | Score | Tier 1 Capital | NPL Ratio |
|---|---|---|---|---|---|---|
| 1 | Commercial Banking Co | Valdosta | A | 100 | 18.14% | 0.04% |
| 2 | Cibc National Trust Co | Atlanta | A | 100 | 216.31% | 0.00% |
| 3 | Citizens Nb of Quitman | Quitman | A | 99 | 19.26% | 0.07% |
| 4 | Durden Banking Co INC | Twin City | A | 99 | 22.69% | 0.21% |
| 5 | Citizens Bank of Americus | Americus | A | 99 | 15.84% | 0.09% |
| 6 | First Nb of Waynesboro | Waynesboro | A | 99 | 30.95% | 0.21% |
| 7 | South Georgia Bank | Glennville | A | 99 | 19.99% | 0.24% |
| 8 | Citizens Bank of Georgia | Cumming | A | 99 | 17.23% | 0.00% |
| 9 | First Nb of Griffin | Griffin | A | 98 | 17.58% | 0.08% |
| 10 | United Bank | Zebulon | A | 98 | 24.17% | 0.28% |
| 11 | Citizens Bank&Trust INC | Trenton | A | 98 | 21.76% | 0.32% |
| 12 | Century Bank of Georgia | Cartersville | A | 98 | 23.47% | 0.00% |
| 13 | Bank of Hazlehurst | Hazlehurst | A | 97 | 27.09% | 0.48% |
| 14 | Rbc Bank Georgia NA | Atlanta | A | 97 | 36.35% | 0.49% |
| 15 | Peach State Bank&Trust | Gainesville | A | 97 | 14.99% | 0.00% |
| 16 | Citizens Trust Bank | Atlanta | A | 97 | 19.55% | 0.49% |
| 17 | First American Bank&Trust Co | Athens | A | 96 | 17.00% | 0.02% |
| 18 | Fnb South | Alma | A | 95 | 23.67% | 0.05% |
| 19 | Waycross Bank&Trust | Waycross | A | 95 | 17.44% | 0.10% |
| 20 | First Nb of Coffee County | Douglas | A | 95 | 17.05% | 0.17% |
Bank Health Scores for Georgia are calculated from FDIC Call Report data including Tier 1 capital ratios, nonperforming loan ratios, liquidity ratios, and return on assets.
Frequently Asked Questions
Based on our Bank Health Score analysis of FDIC data, Commercial Banking Co in Valdosta is currently the safest bank in Georgia with a score of 100/100 (Grade A). It posts a Tier 1 capital ratio of 18.14% and a nonperforming loan ratio of 0.04%.
Georgia has 123 FDIC-insured banks with a combined $148.4B in total assets. The average Bank Health Score across the state is 76/100 (Grade B).
Georgia's average Bank Health Score of 76/100 is 6.0 points above the national average of 70/100. 69% of banks in Georgia earn an A or B grade, compared with the national average grade of B.
Of 123 FDIC-insured banks headquartered in Georgia, 61 earn an A, 24 a B, 29 a C, 8 a D, and 1 an F. The most common grade is B.
The Bank Health Score (0-100) is based on four FDIC-reported metrics: Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%). Higher scores indicate stronger financial health. Every score uses the latest FDIC Call Report data.
Bank Health Scores are computed from quarterly FDIC Call Report data. Tier 1 capital ratio (35%), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).