🏦Bank Scorer

SOUTH GEORGIA BANK

GLENNVILLE, GA · Supervised by FDIC

Est. 1987FDIC #32,532RSSD: FDIC-32532
Part ofSOUTH GROUP BANCSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: August 2020

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.86%

Institution Profile

FDIC BankFind

Address

401 S Veterans Blvd, GLENNVILLE, GA

County

Tattnall County

Established

April 7, 1987

Total Assets

$262M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

August 1, 2020

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 5 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$262M

Total Deposits

$235M

Net Loans

$134M

Net Income

$1M

ROA

1.86%

ROE

20.93%

Risk-Based Capital

21.68%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate9.57%Peer avg: 7.63%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

5

Branch Deposits

$224M

1-Year Change

+1

5-year net change: +1 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202411587.83%9.57%
20237884.62%6.41%
202210682.08%13.21%
202111783.76%10.26%
202013786.13%8.03%
201913485.07%9.70%
201812770.08%22.83%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

3 previous ratings locked — dating back to 2004

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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