Georgia First Bank (FDIC #889): Bank Stress & Real-Estate Credit Exposure

Georgia First Bank (FDIC Cert #889): bank stress 53/100, moderate, STABLE over 7 days; parent SOPERTON BANCSHARES INC.

Georgia First Bank (#889) lends in 3 counties across 1 state; Georgia First Bank (#889) reaches 21 ZIP codes: Georgia 3 counties, 21 ZIPs.

Georgia First Bank (#889) largest markets: Laurens County, GA (15 branches, 15 ZIPs) (#889), Treutlen County, GA (6 branches, 6 ZIPs) (#889), Toombs County, GA (3 branches, 3 ZIPs) (#889).

Georgia First Bank (#889) reports $290.8 million in total assets; Georgia First Bank (#889) equity $29.5 million (10.1% of Georgia First Bank (#889) assets); Georgia First Bank (#889) domestic deposits $259.5 million; Georgia First Bank (#889) net income $2.7 million; Georgia First Bank (#889) return on assets 1.86%; Georgia First Bank (#889) return on equity 18.99%; Georgia First Bank (#889) net interest income $7.4 million; Georgia First Bank (#889) call report June 30, 2026.

Georgia First Bank (#889) noncurrent real-estate loans: none reported; Georgia First Bank (#889) net charge-offs on real estate 0.00%.

Georgia First Bank (#889) net interest margin 5.43% against an eight-quarter Georgia First Bank (#889) average of 5.51% (Georgia First Bank (#889) compression 0.08 points); Georgia First Bank (#889) rate-exposure score 40/100, Georgia First Bank (#889) fixed-rate trap 40/100; Georgia First Bank (#889) risk type credit driven; Georgia First Bank (#889) rate regime rates elevated, Georgia First Bank (#889) snapshot October 19, 2026.

Georgia First Bank (#889) stress score moved from 55 on June 22, 2026 to 52.9 on October 19, 2026; Georgia First Bank (#889) ranged 52.9 to 55 over 116 snapshots.

Georgia First Bank (#889) alerts: 3 counties; top Georgia First Bank (#889) alert scores: Dublin County, GA 18 (low); Soperton County, GA 18 (low); Vidalia County, GA 18 (low).