South Georgia Bank (FDIC #32532): Bank Stress & Real-Estate Credit Exposure
South Georgia Bank (FDIC Cert #32532): bank stress 58/100, moderate, STABLE over 7 days; parent SOUTH GROUP BANCSHARES INC.
South Georgia Bank (#32532) lends in 4 counties across 1 state; South Georgia Bank (#32532) reaches 31 ZIP codes: Georgia 4 counties, 31 ZIPs.
South Georgia Bank (#32532) largest markets: Richmond County, GA (11 branches, 11 ZIPs) (#32532), Liberty County, GA (10 branches, 10 ZIPs) (#32532), Evans County, GA (7 branches, 7 ZIPs) (#32532), Tattnall County, GA (12 branches, 6 ZIPs) (#32532).
South Georgia Bank (#32532) reports $269.5 million in total assets; South Georgia Bank (#32532) equity $23.9 million (8.9% of South Georgia Bank (#32532) assets); South Georgia Bank (#32532) domestic deposits $241.3 million; South Georgia Bank (#32532) net income $2.4 million; South Georgia Bank (#32532) return on assets 1.85%; South Georgia Bank (#32532) return on equity 20.90%; South Georgia Bank (#32532) net interest income $5.4 million; South Georgia Bank (#32532) call report June 30, 2026.
South Georgia Bank (#32532) noncurrent real-estate loans: none reported; South Georgia Bank (#32532) net charge-offs on real estate 0.15%; South Georgia Bank (#32532) residential charge-offs 0.15%.
South Georgia Bank (#32532) net interest margin 4.36% against an eight-quarter South Georgia Bank (#32532) average of 4.30% (South Georgia Bank (#32532) compression -0.06 points); South Georgia Bank (#32532) non-residential real estate 14.6% of equity; South Georgia Bank (#32532) rate-exposure score 40/100, South Georgia Bank (#32532) fixed-rate trap 40/100; South Georgia Bank (#32532) risk type credit driven; South Georgia Bank (#32532) rate regime rates elevated, South Georgia Bank (#32532) snapshot October 20, 2026.
South Georgia Bank (#32532) stress score moved from 56.7 on June 22, 2026 to 57.5 on October 20, 2026; South Georgia Bank (#32532) ranged 56.7 to 57.5 over 117 snapshots.
South Georgia Bank (#32532) alerts: 4 counties; top South Georgia Bank (#32532) alert scores: Augusta County, GA 20 (low); Claxton County, GA 20 (low); Hinesville County, GA 20 (low); Reidsville County, GA 20 (low).