BlastPoint's Banking Scorecard

South Georgia Banking Company

$100M-$1B Specialty: Commercial GA FDIC cert 20198

Designations: ✓ CDFI-certified

Omega, GA

8 branches across GA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 96 in GA.
Deposits +1.3% year over year ($487.6M on the books).
Delinquency rate 0.56%.
Return on assets 1.63%.
Efficiency ratio 61.25% vs a 64.48% peer average.
Loan-to-deposit ratio 80.90% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 96 in GA

View $100M-$1B leaderboard (GA) →

South Georgia Banking Company has 4 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Deposit Franchise: Top 16.2% in tier
+ ROA 0.30% above tier average
+ Efficiency Ratio 3.23% below tier average
+ Delinquency Rate 0.36% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 46.5% in tier

Get updates when South Georgia Banking Company releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Total Assets ?	$570.1M +2.4% YoY -3.3% QoQ	+$183.5M	$386.6M +1.2% YoY	$843.5M +13.2% YoY	$6.3B +7.7% YoY	78%
Total Loans ?	$394.5M +13.5% YoY +4.2% QoQ	+$136.1M	$258.3M +1.7% YoY	$581.6M +14.3% YoY	$3.2B +9.4% YoY	79%
Total Deposits ?	$487.6M +1.3% YoY -4.5% QoQ	+$160.9M	$326.7M +0.7% YoY	$711.6M +12.3% YoY	$4.9B +7.3% YoY	78%
Return on Assets ?	1.63% +19.1% YoY +6.3% QoQ	+0.30%	1.32% +10.8% YoY	1.55% +0.3% YoY	1.30% +12.1% YoY	72%
Net Interest Margin ?	5.35% +1.2% YoY +3.7% QoQ	+1.36%	3.99% +5.0% YoY	4.42% +1.2% YoY	3.95% +4.9% YoY	Top 4.0% in tier
Efficiency Ratio ?	61.25% -8.4% YoY -1.8% QoQ	-3.23%	64.48% -3.2% YoY	63.07% +1.6% YoY	70.05% +2.5% YoY	53%
Delinquency Rate ?	0.56% +348.3% YoY -25.0% QoQ	-0.36%	0.92% +15.7% YoY	0.77% +14.9% YoY	0.98% +16.3% YoY	43%
Loan-to-Deposit Ratio ?	80.90% +12.1% YoY +9.1% QoQ	+2.95%	77.95% +1.0% YoY	78.13% +10.7% YoY	79.03% +2.3% YoY	47%
Non-Interest-Bearing Deposit Share ?	35.96% -4.1% YoY -2.2% QoQ	+13.93%	22.03% -0.6% YoY	26.00% -3.3% YoY	21.98% -0.6% YoY	Top 8.8% in tier
Nonperforming Asset Ratio ?	0.45% +144.9% YoY -6.2% QoQ	-0.22%	0.67% +16.4% YoY	0.54% +11.1% YoY	0.69% +15.8% YoY	42%
Tier 1 Capital Ratio ?	17.89% +0.3% YoY +1.9% QoQ	+1.98%	15.91% +1.4% YoY	19.50% +7.6% YoY	17.09% +0.8% YoY	81%
Non-Interest Income / Assets ?	0.42% +5.3% YoY +107.6% QoQ	-0.15%	0.57% +7.6% YoY	0.44% +3.6% YoY	0.66% +5.2% YoY	Top 13.2% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Noninterest-Bearing	36.0% -1.5pp YoY -0.8pp QoQ	+13.8pp	22.1%	26.2%	22.2%	91%
Brokered Deposits	n/a	n/a	7.9%	7.5%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
C&I	6.3% +0.9pp YoY 0.0pp QoQ	-5.3pp	11.6%	9.7%	12.5%	28%
CRE	44.1% +3.6pp YoY -0.8pp QoQ	+4.6pp	39.5%	48.9%	41.4%	60%
1-4 Family	19.1% +0.4pp YoY +0.7pp QoQ	-13.5pp	32.6%	31.7%	31.3%	28%
Consumer	4.4% -1.0pp YoY -0.5pp QoQ	+0.2pp	4.1%	4.8%	5.0%	73%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
CET1 Ratio	17.9% +0.1pp YoY +0.3pp QoQ	-0.9pp	18.8%	20.9%	19.7%	69%
Leverage Ratio	13.9% +0.5pp YoY +0.6pp QoQ	+1.7pp	12.2%	14.0%	12.6%	81%
Total Capital Ratio	19.0% -0.1pp YoY +0.3pp QoQ	-1.0pp	19.9%	22.1%	20.8%	68%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Full-Time Employees	114 -10 (-8.1%) YoY -1 (-0.9%) QoQ	+55	58	98	482	91%
Assets per Employee ($)	$5.0M +11.4% YoY -2.5% QoQ	-$2.5M	$7.5M	$7.5M	$8.8M	15%
Branch Count	8 0 YoY 0 QoQ	+3	4	6	18	82%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.1%	0.4%	n/a
Nonaccrual	0.6% +0.4pp YoY -0.2pp QoQ	-0.4pp	0.9%	0.8%	1.0%	56%
Allowance Coverage	2.02x -81.9% YoY +28.8% QoQ	-22.13x	24.15x	38.10x	20.23x	48%
Net Charge-off Rate (YTD)	0.1% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	69%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
ROE	12.4% +1.3pp YoY +0.4pp QoQ	+0.2pp	12.2%	13.6%	11.6%	52%
Cost of Funds (YTD)	0.7% +0.1pp YoY 0.0pp QoQ	-1.0pp	1.7%	1.6%	1.7%	4%
Net Income ($, YTD)	$4.8M +23.2% YoY — QoQ	+$2.2M	$2.6M	$6.6M	$40.4M	86%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Deposit Franchise

growth

#46 of 278 • Top 16.2% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature

Noninterest-Bearing Deposit Share: 35.96%

(Tier: 22.03%, National: 21.98%)

better than tier avg

Net Interest Margin: 5.35%

(Tier: 3.99%, National: 3.95%)

better than tier avg

278 of 278 Community banks match · 368 nationally

→ Stable -1 banks QoQ | QoQ rank improving

Concerns (1)

Liquidity Overhang

risk

#346 of 742 • Bottom 46.5% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 17.89%

(Tier: 15.91%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 80.90%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

742 of 742 Community banks match · 940 nationally

→ Stable +7 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (7 metrics)

107

Net Interest Margin

profitability

Value: 5.35%

Peer Median: 3.99%

#107 of 2643 Top 4.0% in $100M-$1B

233

Non-Interest-Bearing Deposit Share

funding

Value: 35.96%

Peer Median: 22.03%

#233 of 2643 Top 8.8% in $100M-$1B

350

Non-Interest Income / Assets

revenue_mix

Value: 0.42%

Peer Median: 0.57%

#350 of 2643 Top 13.2% in $100M-$1B

516

Tier 1 Capital Ratio

capital

Value: 17.89%

Peer Median: 15.91%

#516 of 2643 Top 19.5% in $100M-$1B

558

Total Loans

size

Value: $394.46M

Peer Median: $258.35M

#558 of 2643 Top 21.1% in $100M-$1B

570

Total Deposits

size

Value: $487.58M

Peer Median: $326.73M

#570 of 2643 Top 21.5% in $100M-$1B

576

Total Assets

size

Value: $570.11M

Peer Median: $386.57M

#576 of 2643 Top 21.8% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available