Updated April 2026 · FDIC Call Report Q2 2024

A-Rated Banks in Georgia

61 banks · Average score: 91/100 · Combined assets $34.9B

61 banks in this state currently hold A grades, averaging a composite score of 91/100. Within the tier, individual bank profiles still vary materially on which factor is driving the grade — review the table below for the per-bank breakdown. The tier averages a Tier 1 capital ratio of 21.90% and an NPL ratio of 0.40%, sourced from the most recent FDIC quarterly Call Report.

61 Georgia banks earn an A grade on the BankHealth composite, with an average score of 91/100. A-grade banks combine strong Tier 1 capital, clean loan books, comfortable liquidity, and solid ROA.

State-and-grade combinations help depositors and policy researchers identify clusters of banking health (or stress) within a specific geography. The list below ranks Georgia A-grade banks by health score with links to each bank's full profile.

A B C D F

What "A" Means in Practice

A-graded banks in Georgia are the strongest tier — institutions with composite Bank Health Scores of 80 or higher across capital, loan quality, liquidity, and profitability. Currently 61 banks chartered in Georgia qualify. A grades typically reflect well-above-regulatory capital cushions (often 12%+ Tier 1), sub-1% nonperforming loans, and ample liquidity buffers. Many A-graded banks are conservatively run community institutions or specialty banks with focused, lower-risk loan portfolios.

For depositors: A-graded institutions face less probability of regulatory action than peers, all else equal. That said, FDIC insurance — not the bank's grade — protects deposits up to $250,000 per depositor, per insured bank, per ownership category. The grade describes regulatory cushion; insurance describes guaranteed protection.

Tier-Wide Snapshot in Georgia

Banks in this grade tier	61
Combined assets	$34.9B
Average composite score	91/100
Average Tier 1 capital ratio	21.90%
Average NPL ratio	0.40%

All A-Graded Banks in Georgia

#	Bank	City	Score	Assets	Tier 1 Capital	NPL Ratio	Liquidity
1	Commercial Banking Co	Valdosta	100	$355M	18.14%	0.04%	30.36%
2	Cibc National Trust Co	Atlanta	100	$354M	216.31%	0.00%	52.29%
3	Citizens Nb of Quitman	Quitman	99	$120M	19.26%	0.07%	34.50%
4	Durden Banking Co INC	Twin City	99	$279M	22.69%	0.21%	32.78%
5	Citizens Bank of Americus	Americus	99	$426M	15.84%	0.09%	39.81%
6	First Nb of Waynesboro	Waynesboro	99	$208M	30.95%	0.21%	33.63%
7	South Georgia Bank	Glennville	99	$218M	19.99%	0.24%	44.10%
8	Citizens Bank of Georgia	Cumming	99	$545M	17.23%	0.00%	47.65%
9	First Nb of Griffin	Griffin	98	$366M	17.58%	0.08%	57.94%
10	United Bank	Zebulon	98	$2.1B	24.17%	0.28%	57.12%
11	Citizens Bank&Trust INC	Trenton	98	$125M	21.76%	0.32%	34.12%
12	Century Bank of Georgia	Cartersville	98	$354M	23.47%	0.00%	58.13%
13	Bank of Hazlehurst	Hazlehurst	97	$120M	27.09%	0.48%	56.13%
14	Rbc Bank Georgia NA	Atlanta	97	$6.5B	36.35%	0.49%	56.20%
15	Peach State Bank&Trust	Gainesville	97	$779M	14.99%	0.00%	40.09%
16	Citizens Trust Bank	Atlanta	97	$757M	19.55%	0.49%	38.87%
17	First American Bank&Trust Co	Athens	96	$870M	17.00%	0.02%	26.03%
18	Fnb South	Alma	95	$611M	23.67%	0.05%	24.83%
19	Waycross Bank&Trust	Waycross	95	$243M	17.44%	0.10%	42.26%
20	First Nb of Coffee County	Douglas	95	$485M	17.05%	0.17%	45.18%
21	Glennville Bank	Glennville	95	$376M	18.85%	0.75%	36.55%
22	First Bank of Coastal Ga	Pembroke	94	$203M	20.83%	0.00%	72.89%
23	Citizens Community Bank	Hahira	93	$191M	19.02%	0.60%	39.92%
24	Bank of Alapaha	Alapaha	93	$220M	17.79%	0.28%	38.86%
25	Merchants&Citizens Bank	Mcrae	93	$137M	24.20%	0.12%	61.08%
26	Trust Bank	Lenox	92	$41M	36.00%	1.39%	51.10%
27	Bank of Dade	Trenton	92	$152M	15.96%	1.38%	40.19%
28	South Georgia Banking Co	Omega	92	$557M	17.92%	0.98%	27.91%
29	Bank of Edison	Edison	92	$81M	13.99%	0.31%	41.38%
30	Legacy State Bank	Loganville	92	$173M	13.99%	0.00%	27.71%
31	Citizens Bank of Swainsboro	Swainsboro	91	$345M	16.60%	0.16%	22.24%
32	Great Oaks Bank	Eastman	91	$382M	12.56%	0.07%	31.94%
33	Geo D Warthen Bank	Sandersville	91	$211M	18.18%	1.16%	39.97%
34	Colony Bank	Fitzgerald	91	$3.0B	13.85%	0.35%	30.11%
35	State Bank of Cochran	Cochran	91	$256M	27.18%	1.42%	34.13%
36	Planters First Bank	Cordele	91	$425M	13.77%	0.11%	26.25%
37	Bank of Hancock County	Sparta	90	$78M	36.59%	0.66%	68.15%
38	Tandem Bank	Tucker	90	$232M	13.93%	0.00%	25.37%
39	Claxton Bank	Claxton	89	$190M	28.33%	0.31%	25.87%
40	Queensborough Nb&T Co	Louisville	89	$2.0B	13.95%	0.77%	38.87%
41	Douglas National Bank	Douglas	89	$286M	14.00%	0.51%	24.80%
42	Citizens Bank of the South	Sandersville	88	$312M	18.79%	0.23%	20.18%
43	First Chatham Bank	Savannah	88	$582M	19.12%	2.04%	34.22%
44	Citizens Bank of Cochran	Cochran	87	$177M	18.15%	0.10%	17.49%
45	Bank of Madison	Madison	86	$412M	13.46%	0.05%	20.94%
46	Altamaha Bank&Trust Co	Vidalia	86	$297M	12.88%	0.61%	27.41%
47	Ab&T	Albany	86	$254M	16.65%	0.07%	16.40%
48	Embassy National Bank	Lawrenceville	86	$159M	16.93%	0.00%	15.80%
49	Morris Bank	Dublin	85	$1.4B	14.53%	0.38%	19.49%
50	Oconee State Bank	Watkinsville	84	$602M	13.16%	1.36%	32.46%
51	Bank of Newington	Newington	84	$280M	11.85%	0.00%	22.53%
52	Guardian Bank	Valdosta	84	$565M	14.44%	1.64%	32.68%
53	Promiseone Bank	Duluth	83	$715M	16.99%	0.42%	17.80%
54	Loyal Trust Bank	Johns Creek	83	$198M	18.69%	0.19%	23.77%
55	Craft Bank	Atlanta	83	$247M	13.30%	0.00%	17.64%
56	First Peoples Bank	Pine Mountain	82	$331M	13.48%	0.31%	20.73%
57	First Ic Bank	Doraville	82	$1.1B	16.81%	0.37%	13.82%
58	Primesouth Bank	Blackshear	82	$1.3B	13.49%	0.35%	18.85%
59	First Bank of Pike	Molena	82	$75M	16.00%	0.83%	19.89%
60	Signature Bank of Georgia	Sandy Springs	81	$226M	17.17%	0.00%	17.87%
61	South Coast Bank&Trust	Brunswick	80	$249M	11.73%	0.56%	26.69%

For Depositors at A-Graded Banks

FDIC insurance — not the bank's grade — guarantees deposits up to $250,000 per depositor, per insured bank, per ownership category. Verify your bank's status and your specific coverage at FDIC.gov. The Bank Health Score and grade describe regulatory cushion in relative terms; insurance describes guaranteed protection.

For combined balances above $250,000 at a single bank, the FDIC's Electronic Deposit Insurance Estimator (EDIE) calculates exactly which dollars are insured. Account titling — joint, individual, retirement, payable-on-death — affects coverage. Federal regulators including the OCC publish the rules; FDIC.gov is the authoritative consumer source.

How These Grades Are Calculated

Every bank earns a Bank Health Score from four FDIC Call Report inputs: Tier 1 capital ratio (35%), NPL ratio inverted (30%), liquidity ratio (25%), and return on assets (10%). The 0–100 composite maps to A (80+), B (65–79), C (50–64), D (35–49), and F (under 35). Data flows from the FDIC BankFind API and the FFIEC Call Report archive. Read the full methodology.

Frequently Asked Questions

What does a A grade mean for a bank?

How many A-graded banks are in Georgia?

What does this tier look like financially?

Across 61 A-graded banks in Georgia, the average Tier 1 capital ratio is 21.90% and the average nonperforming-loan ratio is 0.40%. Combined assets in this cohort total $34.9B. These numbers come straight from the most recent quarterly FDIC Call Report.

Are deposits at A-graded banks still FDIC-insured?

Where does this data come from?

Bank financials are pulled from the FDIC BankFind API, which sources directly from quarterly Call Reports filed with the FFIEC. Health Scores are computed from a transparent four-factor formula using public Call Report fields. All FDIC and FFIEC data is U.S. government public domain.

All banks in Georgia →All grade A banks nationwide →Healthiest Banks →Methodology →

Sources: FDIC BankFind API ( banks.data.fdic.gov); FFIEC Call Reports ( cdr.ffiec.gov/public); OCC ( occ.gov). Public domain.

Last updated 2026-04-06 · 61 A-graded banks in Georgia. Informational only; not investment advice. Verify FDIC insurance directly at FDIC.gov.