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
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).
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.
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.
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%).