South Georgia Banking Co (FDIC #20198): Bank Stress & Real-Estate Credit Exposure
South Georgia Banking Co (FDIC Cert #20198): bank stress 44/100, contained, STABLE over 7 days; parent SOUTH GEORGIA BANK HOLDING CO.
South Georgia Banking Co (#20198) lends in 6 counties across 1 state; South Georgia Banking Co (#20198) reaches 38 ZIP codes: Georgia 6 counties, 38 ZIPs.
South Georgia Banking Co (#20198) largest markets: Colquitt County, GA (14 branches, 14 ZIPs) (#20198), Worth County, GA (12 branches, 12 ZIPs) (#20198), Tift County, GA (30 branches, 10 ZIPs) (#20198), Dooly County, GA (8 branches, 8 ZIPs) (#20198), Crisp County, GA (5 branches, 5 ZIPs) (#20198), Turner County, GA (4 branches, 4 ZIPs) (#20198).
South Georgia Banking Co (#20198) reports $570.1 million in total assets; South Georgia Banking Co (#20198) equity $79.5 million (13.9% of South Georgia Banking Co (#20198) assets); South Georgia Banking Co (#20198) domestic deposits $487.6 million; South Georgia Banking Co (#20198) net income $4.8 million; South Georgia Banking Co (#20198) return on assets 1.63%; South Georgia Banking Co (#20198) return on equity 12.42%; South Georgia Banking Co (#20198) net interest income $13.8 million; South Georgia Banking Co (#20198) call report June 30, 2026.
South Georgia Banking Co (#20198) noncurrent real-estate loans: none reported; South Georgia Banking Co (#20198) net charge-offs on real estate 0.42%; South Georgia Banking Co (#20198) residential charge-offs 0.69%.
South Georgia Banking Co (#20198) net interest margin 5.35% against an eight-quarter South Georgia Banking Co (#20198) average of 5.21% (South Georgia Banking Co (#20198) compression -0.14 points); South Georgia Banking Co (#20198) non-residential real estate 68.9% of equity; South Georgia Banking Co (#20198) rate-exposure score 40/100, South Georgia Banking Co (#20198) fixed-rate trap 40/100; South Georgia Banking Co (#20198) risk type credit driven; South Georgia Banking Co (#20198) rate regime rates elevated, South Georgia Banking Co (#20198) snapshot October 20, 2026.
South Georgia Banking Co (#20198) stress score moved from 47.9 on June 22, 2026 to 44.2 on October 20, 2026; South Georgia Banking Co (#20198) ranged 44.2 to 47.9 over 117 snapshots.
South Georgia Banking Co (#20198) alerts: 6 counties; top South Georgia Banking Co (#20198) alert scores: Ashburn County, GA 16 (low); Cordele County, GA 16 (low); Moultrie County, GA 16 (low); Sylvester County, GA 16 (low); Tifton County, GA 16 (low).