Rank the Banks – Georgia 2Q14

Transcription

Rank the Banks Report
Georgia
Second Quarter 2014
Rank the Banks Report - Georgia
Second Quarter 2014
Table of Contents:
1) Bank Listing (page 1-5)
Company name
City
Parent Company
Date Established
Number of Offices
Total Employees
S Corp
Total Assets
ROAA
ROAE
3) Ranking by Net Interest Margin
(11-15)
City
Total Assets
Yield on Loans
Loan Growth Rate
Cost of Funds
Deposit Growth Rate
Loans/ Deposits
Yield on Investment Security (FTE)
Net Interest Margin
2) Ranking by Total Assets
(6-10)
4) Ranking by Noninterest Income
(16-20)
City
Leverage Ratio
Tier 1 Risk-based Ratio
Total Deposits
Deposits/ Office
Assets/ Employees
Salary Expense/ Employees
Total Assets
City
Total Assets
Net Income
Service Charges on Deposits/
Average Assets
Gain on Sale of Loans/ Average
Assets
Servicing Fees/ Average Assets
Net Gains on OREO/ Average Assets
Total Noninterest Income
Noninterest Income/ Average Assets
5) Ranking by Total Overhead
(21-25)
City
Total Assets
Efficiency Ratio (FTE)
Total Employees
Number of Offices
Personnel Expense/ Average Assets
Occupancy Expense/ Average
Assets
Other Expense/ Average Assets
Total Overhead/ Average Assets
6) Ranking by Asset Quality (2630)
City
Total Assets
Gross Loans
Loan Loss Reserves/ Gross Loans
Adj. Loans 30-89 Days PD/ Loans
Adj. 90 Days PD/ Loans
Adj. NPLs + Adj OREO/Loans
Net Chargeoffs/ Average Loans
Asset Quality Composite
1380 West Paces Ferry Rd. NW / Suite 2060 / Atlanta, GA 30327
Belief
Strength
7) Ranking by ROAE (31-35)
City
Total Assets
LTM Net Income/ Employee
LTM Net Income
13Q2 LTM Net Income
12Q2 LTM Net Income
ROAA
ROAE
8) Overall Ranking (36-40)
City
Total Assets
Net Interest Margin Ranking
Noninterest Income Ranking
Total Overhead Ranking
Asset Quality Ranking
ROAE Ranking
Overall Ranking
(404) 848-1571 (phone) / (404) 848-1574 (fax)
Purpose
Second Quarter 2014
Excluded Banks:
Excluded banks are usually special-purpose banks (such as trust banks), subsidiaries of foreign companies, or
companies for which necessary data is not available as of this report.
Atlantic Trust Company, National Association
Invesco National Trust Company
Synovus Trust Company, National Association
RBC Bank (Georgia), National Association
Calculation Notes:
All data in this report is bank-level and is as of or for the last twelve months ending June 30, 2014.
Asset quality index is based on the sum of: Adjusted Loans 30-89 PD/Loans + Adjusted Loans 90 PD/Loans +
Adjusted NPLs + Adjusted OREO/Loans + Net Chargeoffs/Avg Loans.
Overall ranking is based on an unweighted average of NIM ranking, Noninterest Income ranking, Total
Overhead ranking, Asset Quality rankings and ROAE ranking
Belief
Strength
(404) 848-1571 (phone) / (404) 848-1574 (fax)
Purpose
Second Quarter 2014
Banks Street Partners Team
Lee Burrows [email protected] 404-848-8480
Gary McNorrill [email protected]
704-927-6244
Mark Saunders [email protected]
404-848-2686
Jeff Adams [email protected]
404-924-6382
Will Brackett [email protected]
404-848-0890
Joe Maloney
[email protected]
404-848-2662
Matt Kennedy
[email protected]
704-927-6251
William Izlar
[email protected]
404-848-2665
BSP Services
BSP Downloads
Mergers and Acquisitions
Branch Sales and Purchases
Southeastern Publicly Traded Data
Capital Raising Initiatives
Subordinated Debt Offerings (retail and
institutional)
Southeastern M&A Bank Data
Failed Bank Acquisitions
Quarterly Texas Ratio Analysis
363 Bankruptcy Transactions
Visit http://banksstreetpartners.com/bsp-
Strategic Planning
Valuations and Fairness Opinions
Board and Management Consulting
Financial Modeling
downloads/ to access and download all
available material
Disposition of Distressed Assets
TARP/Preferred Stock and SBLF
Repayment Plans
Share Repurchase Plans and Modified
Dutch Auctions
Belief
Strength
(404) 848-1571 (phone) / (404) 848-1574 (fax)
Purpose
Georgia - Bank Listing
Company Name
City
Parent Company
AB&T National Bank
Affinity Bank
Alliance National Bank
Alma Exchange Bank & Trust
Altamaha Bank and Trust Company
American Pride Bank
Ameris Bank
Atlantic Capital Bank
Atlantic National Bank
Bank of Alapaha
Bank of Atlanta
Bank of Camilla
Bank of Dade
Bank of Dawson
Bank of Dudley
Bank of Early
Bank of Eastman
Bank of Edison
Bank of Georgia
Bank of Hancock County
Bank of Hazlehurst
Bank of LaFayette, Georgia
Bank of Lumber City
Bank of Madison
Bank of Monticello
Bank of Newington
Bank of Perry
Bank of Soperton
Bank of Terrell
Bank of Wrightsville
BankSouth
Barwick Banking Company
Brand Banking Company
Capital Bank
Capitol City Bank & Trust Company
Carver State Bank
Century Bank & Trust
Century Bank of Georgia
CharterBank
Chattahoochee Bank of Georgia
Citizens Bank
Citizens Bank
Citizens Bank & Trust Company
Citizens Bank & Trust, Inc.
Citizens Bank of Americus
Citizens Bank of Cochran
Albany
Atlanta
Dalton
Alma
Vidalia
Macon
Moultrie
Atlanta
Brunswick
Alapaha
Atlanta
Camilla
Trenton
Dawson
Dublin
Blakely
Eastman
Edison
Peachtree City
Sparta
Hazlehurst
Lafayette
Lumber City
Madison
Monticello
Newington
Perry
Soperton
Dawson
Wrightsville
Greensboro
Barwick
Lawrenceville
Fort Oglethorpe
Atlanta
Savannah
Milledgeville
Cartersville
West Point
Gainesville
Cairo
Nashville
Eastman
Trenton
Americus
Cochran
Community Capital Bancshares, Inc.
ABB Financial Group, Inc.
Community & Southern Holdings, Inc.
South Banking Company
Altamaha Bancshares, Inc.
American Bancorp, Inc.
Ameris Bancorp
BankCap Equity Fund, LLC
Atlantic National Corporation
Alapaha Holding Company
Atlanta Bancorporation, Inc.
Camilla Bancshares, Inc.
Tri-States Bankshares, Inc.
Dawson Bancshares, Inc.
Hogan Investments, LP
One South Financial, Inc.
Magnolia Bankshares, Inc.
BOE Bancshares, Inc.
Georgia Bancshares, Inc.
Hazlehurst Investors, Inc.
LaFayette Bankshares, Inc.
Madison Bank Corp.
Monticello Bancshares, Inc.
Persons Banking Company, Inc.
Soperton Bancshares, Incorporated
Georgia Community Bancorp, Incorporated
Wrightsville Bancshares, Inc.
BankSouth Holding Company
Brand Group Holdings, Inc.
Catoosa Bancshares, Inc.
Capitol City Bancshares, Inc.
Carver Financial Corporation
Century Bancorp, Inc.
CBB Bancorp
Charter Financial Corporation
Nashville Holding Company
Citizens Corporation
TAG Bancshares, Inc.
CBA Bankshares, Inc.
Putnam-Greene Financial Corporation
Date
Established
4/28/1999
9/3/2002
10/25/1999
9/13/1939
7/1/1946
12/12/2007
10/1/1971
5/15/2007
8/31/1998
3/25/1905
7/6/1966
1/2/1890
1/12/1956
7/1/1911
11/1/1905
1/9/1939
10/14/1909
10/1/1904
2/18/2000
9/1/1904
1/1/1906
7/18/1899
7/2/1945
1/1/1890
1/1/1909
8/14/1919
1/1/1889
6/1/1903
5/1/1936
2/16/1897
4/1/1946
1/1/1934
7/17/1905
1/1/1963
10/3/1994
2/23/1927
3/1/1898
6/29/2000
6/15/1954
9/15/2008
1/1/1904
11/5/1941
1/1/1931
1/18/1988
3/25/1937
7/1/1942
Number
of
Total
S Corp
Offices Employees (Yes/No)
3
1
2
2
4
3
79
1
3
4
2
2
3
1
4
3
4
1
7
1
2
3
2
4
1
2
2
1
3
1
3
1
8
3
8
2
2
3
17
1
1
4
6
3
4
2
38
25
32
25
57
24
1,063
105
33
36
35
31
33
25
64
25
64
15
70
25
31
58
15
50
22
17
24
14
31
13
225
3
500
43
82
16
56
35
282
16
12
70
43
43
48
20
No
No
No
No
Yes
No
No
No
Yes
No
No
No
Yes
No
No
Yes
Yes
Yes
No
No
Yes
No
No
No
Yes
No
Yes
Yes
Yes
Yes
Yes
No
No
Yes
No
No
No
No
No
No
No
Yes
Yes
No
No
No
Total
Assets
($000)
ROAA
(%)
ROAE
(%)
128,183
267,638
161,047
86,844
149,296
113,252
3,524,038
1,206,636
146,238
133,028
195,262
95,090
92,157
116,583
184,196
94,406
193,469
40,806
325,869
84,729
112,748
238,898
19,783
195,272
96,501
80,222
117,985
36,711
141,142
52,751
370,051
12,157
1,822,276
114,025
283,129
41,191
219,581
155,443
1,035,609
110,268
43,878
261,085
130,216
92,334
234,410
74,810
0.73
0.26
0.57
-0.49
0.98
1.19
0.87
0.51
0.93
0.93
3.39
0.29
1.38
0.71
0.82
0.77
0.90
0.65
-0.92
1.10
0.91
0.71
-0.02
0.82
0.77
1.20
0.32
1.08
1.52
-0.44
1.69
-0.24
0.35
0.43
-0.99
0.00
1.17
1.04
0.66
0.47
-0.48
0.28
-0.03
0.71
-0.41
0.23
8.39
6.95
6.22
-5.26
10.52
5.43
7.71
4.47
9.24
8.54
27.76
2.11
14.37
4.75
7.57
6.64
18.73
7.38
-17.95
5.35
7.84
6.24
-0.12
6.23
14.27
17.86
4.60
13.14
14.77
-7.42
16.17
-3.20
3.39
4.62
-48.27
0.05
12.11
8.65
3.49
2.57
-4.18
2.72
-0.63
6.71
-4.28
2.12
Rank the Banks
Georgia
1 of 40
Company Name
City
Parent Company
Citizens Bank of Forsyth County
Citizens Bank of Swainsboro
Citizens Bank of Washington County
Citizens Community Bank
Citizens Exchange Bank
Citizens National Bank of Quitman
Citizens State Bank
Citizens State Bank of Taylor County
Citizens Trust Bank
Claxton Bank
Colony Bank
Columbus Community Bank
Commercial Bank
Commercial Banking Company
Commercial State Bank
Community & Southern Bank
Community Bank & Trust - West Georgia
Community Bank of Georgia
Community Bank of Pickens County
Community Bank of the South
Community Banking Company of Fitzgerald
Community Business Bank
CornerstoneBank
Douglas National Bank
Durden Banking Company, Incorporated
Elberton Federal Savings & Loan Association
Embassy National Bank
Exchange Bank
F & M Bank and Trust Company
F&M Bank
Family Bank
Farmers & Merchants Bank
Farmers and Merchants Bank
Farmers Bank
Farmers Bank
Farmers State Bank
Farmers State Bank
Farmers State Bank
Fidelity Bank
First American Bank and Trust Company
First Bank of Coastal Georgia
First Bank of Dalton
First Bank of Georgia
First Bank of Pike
Cumming
Swainsboro
Sandersville
Hahira
Pearson
Quitman
Kingsland
Reynolds
Atlanta
Claxton
Fitzgerald
Columbus
Crawford
Valdosta
Donalsonville
Atlanta
LaGrange
Baxley
Jasper
Smyrna
Fitzgerald
Cumming
Atlanta
Douglas
Twin City
Elberton
Lawrenceville
Milledgeville
Manchester
Washington
Pelham
Statesboro
Eatonton
Lakeland
Sylvania
Greensboro
Forsyth
Dublin
Lincolnton
Lumpkin
Norcross
Athens
Pembroke
Dalton
Augusta
Molena
Forsyth Bancshares, Inc.
Swainsboro Bankshares, Inc.
CCB Bancshares, Inc.
SUM Financial Corporation
Citizens Bancshares Corporation
Southern Bankshares, Inc.
Colony Bankcorp, Inc.
TCB Bancshares, Inc.
Lowndes Bancshares, Inc.
Community & Southern Holdings, Inc.
Community Bankshares, Inc.
Community Bank of Georgia, Inc.
Community Banks of Georgia, Inc.
CBS Financial Corporation
CBC Holding Company
Cornerstone Bancshares, Inc.
DNB Financial Services, Inc.
Durden Bankshares, Inc.
Embassy Bancshares, Inc.
Exchange Bankshares, Inc.
F & M Holding Company, Inc.
Washington/Wilkes Holding Company
FMB Equibanc, Inc.
FMB Bancshares, Inc.
Screven Bancshares, Inc.
Farmers Bancshares, Inc.
Lincoln Bancshares, Inc.
Fidelity Southern Corporation
First American Bancorp
FBD Holding Company, Inc.
Georgia-Carolina Bancshares, Inc.
Date
Established
2/3/1997
11/1/1900
5/3/1965
2/21/1927
1/1/1934
8/25/1934
1/1/1946
9/8/1922
8/16/1921
2/24/1941
4/15/1976
10/16/2006
9/5/1924
4/22/1929
8/31/1999
1/29/2010
12/15/1984
5/11/2004
10/2/2000
8/2/1999
4/19/1996
1/22/2008
2/20/2001
11/19/2001
7/5/1935
1/1/1922
3/5/2007
6/3/1903
2/2/1948
3/14/1950
1/1/1931
2/4/1948
10/26/1922
1/1/1907
3/1/1946
9/6/1911
1/1/1910
1/1/1934
9/26/1911
12/1/1911
2/18/1974
12/31/1928
1/1/1907
1/8/1996
1/9/1989
1/1/1899
Number
of
Total
S Corp
4
2
3
4
1
1
3
2
10
4
29
1
3
5
2
42
4
1
2
4
2
2
3
1
3
1
1
4
1
6
3
3
2
6
3
2
1
3
2
3
36
7
2
4
7
3
45
41
60
45
7
21
23
14
103
38
314
27
26
58
27
547
34
15
52
66
29
16
78
30
44
6
20
78
31
63
31
46
51
118
30
17
11
31
31
19
968
111
26
44
165
16
No
No
No
Yes
Yes
No
No
Yes
No
Yes
No
No
Yes
No
Yes
No
No
No
No
Yes
No
No
No
Yes
Yes
No
Yes
No
No
No
No
No
No
No
No
No
Yes
Yes
Yes
No
No
No
No
No
No
No
Total
Assets
($000)
ROAA
(%)
ROAE
(%)
234,100
149,132
216,484
129,818
27,330
97,628
62,761
48,892
406,413
109,877
1,114,942
120,269
106,088
216,779
101,942
3,056,495
89,613
74,236
342,560
346,467
125,076
148,874
271,891
154,526
157,364
20,639
68,111
224,374
77,636
260,090
90,318
159,666
195,739
553,491
113,660
96,601
63,668
115,049
124,196
45,918
2,733,526
457,979
122,798
189,994
518,604
41,948
0.98
1.01
0.48
1.44
-0.36
0.88
-1.97
-0.01
0.47
0.70
0.61
1.35
1.53
0.68
0.73
0.32
-1.78
0.67
1.91
1.11
1.21
0.78
-1.11
2.40
1.65
-0.76
0.67
0.77
-0.70
0.88
0.59
0.11
0.53
0.10
0.27
1.01
0.33
1.13
1.37
-0.66
1.03
0.72
0.51
1.11
0.83
0.44
10.54
10.49
4.94
15.60
-4.89
8.11
-29.52
-0.09
4.02
7.84
5.97
12.11
15.64
5.42
5.51
2.55
-36.81
6.42
28.34
15.35
10.26
5.84
-36.23
18.11
12.55
-2.97
4.80
7.46
-12.02
5.41
6.23
2.11
4.77
3.80
2.35
9.66
4.41
8.70
11.57
-19.24
10.14
7.35
5.31
15.07
7.32
3.87
Rank the Banks
Georgia
2 of 40
Company Name
City
Parent Company
First Century Bank, National Association
First Chatham Bank
First Covenant Bank
First Federal Savings and Loan Association of Valdosta
First Intercontinental Bank
First Landmark Bank
First Madison Bank & Trust
First National Bank of Coffee County
First National Bank of Decatur County
First National Bank of Griffin
First National Bank of Waynesboro
First National Bank South
First National Community Bank
First Peoples Bank
First Port City Bank
First Southern Bank
First State Bank
First State Bank of Blakely
First State Bank of Randolph County
Flint Community Bank
Foothills Community Bank
Four County Bank
Geo. D. Warthen Bank
Georgia Bank & Trust Company of Augusta
Georgia Banking Company
Georgia Commerce Bank
Georgia Heritage Bank
Georgia Primary Bank
Glennville Bank
Greater Community Bank
Greenville Banking Company
Guardian Bank
Gwinnett Community Bank
Hamilton State Bank
Heritage Bank
Heritage Bank
Heritage First Bank
HeritageBank of the South
Highland Commercial Bank
Independence Bank of Georgia
KeyWorth Bank
LaGrange Banking Company
Legacy State Bank
Liberty First Bank
Merchants & Citizens Bank
Metro Bank
Gainesville
Savannah
Commerce
Valdosta
Doraville
Marietta
Athens
Douglas
Bainbridge
Griffin
Waynesboro
Alma
Chatsworth
Pine Mountain
Bainbridge
Patterson
Wrens
Blakely
Cuthbert
Albany
Dawsonville
Allentown
Sandersville
Augusta
Atlanta
Atlanta
Dallas
Atlanta
Glennville
Rome
Greenville
Valdosta
Duluth
Hoschton
Hinesville
Jonesboro
Rome
Albany
Marietta
Braselton
Johns Creek
LaGrange
Loganville
Monroe
McRae
Douglasville
First Century Bancorp.
FCB Financial Corp.
FNC Bancorp, Inc.
Bainbridge Bancshares, Inc.
First Burke Banking Company
First Bank Shares of the South East, Inc.
First Chatsworth Bankshares, Inc.
First Peoples Bankshares, Inc.
Port City Holding Company, Inc.
CSRA Bank Corp.
First State Bancshares of Blakely, Inc.
Flint Community Bancshares, Inc.
First Citizens Financial Corporation
Four County Bancshares, Inc.
GDW Bankshares, Inc.
Southeastern Bank Financial Corporation
Georgia Banking Company, Inc.
Georgia Commerce Bancshares, Inc.
GB Bank Group, Inc.
Greater Community Bancshares, Inc.
Meriwether Bank Shares, Inc.
WB&T Bankshares, Inc.
Community Financial Holding Company, Inc.
Hamilton State Bancshares, Inc.
Liberty Shares, Inc.
CCF Holding Company
Heritage First Bancshares, Inc.
Heritage Financial Group, Inc.
Highland Financial Services, Inc.
Metro Bancshares, Inc.
Date
Established
3/25/2002
1/23/2002
9/18/2006
9/1/1934
1/31/2000
3/24/2008
3/30/2005
9/23/1991
4/5/2004
5/12/1933
9/1/1905
5/1/1951
8/18/1975
7/9/1990
10/7/1974
6/19/1907
7/6/1964
1/1/1903
10/3/1900
2/3/2006
3/5/2007
9/15/1941
1/1/1871
8/28/1989
11/1/2001
7/1/2003
10/26/2005
10/22/2007
3/13/1905
2/26/1996
1/1/1887
5/1/2001
10/18/1999
9/20/2004
11/15/1911
1/1/1955
1/1/1904
1/1/1955
8/30/2004
10/15/2008
10/15/2007
1/23/2008
3/15/2005
6/13/2006
2/23/1929
1/28/2008
Number
of
Total
S Corp
1
7
1
4
5
1
3
1
1
7
3
4
3
2
2
3
3
7
2
1
2
1
2
12
2
9
2
1
6
4
1
3
3
27
23
6
3
28
2
2
4
3
1
1
1
3
30
72
58
46
62
30
21
28
19
93
35
86
43
27
33
36
30
92
22
27
19
14
45
352
75
138
15
21
53
39
10
33
50
436
205
91
36
490
24
28
46
30
15
17
22
36
No
No
No
No
No
No
No
Yes
No
No
No
No
No
No
No
No
No
No
Yes
No
No
Yes
No
No
No
No
No
No
No
Yes
No
Yes
No
No
No
No
Yes
No
No
No
No
No
No
Yes
No
No
Total
Assets
($000)
ROAA
(%)
ROAE
(%)
89,886
379,395
159,847
164,144
271,014
206,467
165,810
128,568
103,398
233,770
112,895
327,108
124,088
70,143
143,677
91,071
89,820
400,802
71,576
156,526
83,123
59,529
160,595
1,777,705
233,232
961,685
68,724
166,586
209,423
127,942
27,555
243,281
401,726
1,649,962
550,889
374,786
93,417
1,482,901
122,381
168,303
371,722
138,259
69,449
113,385
105,088
211,296
-1.52
0.28
1.02
0.01
1.34
0.68
1.20
1.71
0.66
0.38
1.22
0.99
0.20
0.62
1.11
-1.35
2.43
1.28
0.34
0.61
0.13
1.35
0.06
1.00
0.15
0.57
1.19
0.50
1.22
0.18
0.47
1.84
0.63
0.40
0.69
0.05
0.85
0.61
0.56
0.82
0.75
0.59
0.54
1.14
0.88
0.59
-22.14
6.09
13.51
0.06
10.51
6.14
12.20
14.12
6.25
9.76
7.73
6.98
2.58
3.80
9.85
-25.45
37.23
10.54
4.65
7.42
10.95
13.04
0.67
11.33
1.24
5.04
31.02
5.48
11.34
1.83
3.28
17.27
22.30
2.89
20.76
1.06
7.67
7.52
5.47
6.60
6.98
5.29
10.78
11.89
6.66
4.67
Rank the Banks
Georgia
3 of 40
Company Name
City
Metro City Bank
Midtown Bank & Trust Company
Monroe County Bank
Morris Bank
Mount Vernon Bank
Mountain Valley Community Bank
National Bank of Georgia
Newton Federal Bank
NOA Bank
North Georgia National Bank
Northeast Georgia Bank
Northside Bank
Northwest Georgia Bank
Oconee State Bank
Peach State Bank & Trust
Pelham Banking Company
Peoples Bank
Peoples Bank
Peoples Bank
Peoples Bank
Peoples Bank & Trust
Peoples Bank of Talbotton
Peoples Community National Bank
Peoples State Bank & Trust
PeoplesSouth Bank
Piedmont Bank
Pineland State Bank
Pinnacle Bank
Planters and Citizens Bank
PlantersFirst
PrimeSouth Bank
Private Bank of Buckhead
Providence Bank
Quantum National Bank
Queensborough National Bank & Trust Company
Rabun County Bank
Resurgens Bank
River City Bank
Rochelle State Bank
S Bank
Security State Bank
Signature Bank of Georgia
South Georgia Bank
South Georgia Banking Company
SouthCrest Bank, N.A.
Southeast First National Bank
Doraville
Atlanta
Forsyth
Dublin
Vidalia
Cleveland
Athens
Covington
Duluth
Calhoun
Lavonia
Adairsville
Ringgold
Watkinsville
Gainesville
Pelham
Willacoochee
Eatonton
Conyers
Lyons
Buford
Talbotton
Bremen
Baxley
Colquitt
Norcross
Metter
Elberton
Camilla
Cordele
Blackshear
Atlanta
Alpharetta
Suwanee
Louisville
Clayton
Atlanta
Rome
Rochelle
Glennville
McRae
Sandy Springs
Glennville
Tifton
Peachtree City
Summerville
Parent Company
United Bank Corporation
Morris State Bancshares, Inc.
Heart of Georgia Bancshares, Inc.
Mountain Valley Bancshares, Inc.
NBG Bancorp, Inc.
North Georgia Community Financial Partners, Inc.
First Security Bankshares, Inc.
Northside Bancshares, Inc.
N W Services Corporation
Oconee Financial Corporation
PBC Bancshares, Inc.
Atkinson County Bankshares Corporation
Peoples Bankshares, Inc.
South Georgia Bankshares Corporation
Peoples Banktrust, Inc.
PCNB Bancshares, Inc.
PeoplesSouth Bancshares, Inc.
Piedmont Bancorp, Inc.
Pinnacle Financial Corporation
P & C Bank Shares, Inc.
Mid State Banks, Inc.
Jones Bancshares, L.P.
Private Bancshares, Inc.
Quantum Capital Corp.
Queensborough Company
Liberty Bancorp of Georgia, Inc.
Resurgens Bancorp
RCB Financial Corporation
S Bankshares, Inc.
Farmers Bancshares, Inc.
Signature Bancshares, Inc.
South Group Bancshares, Inc.
South Georgia Bank Holding Company
SouthCrest Financial Group, Inc.
Summerville/Trion Bancshares, Inc.
Date
Established
4/4/2006
10/30/2003
10/15/1908
11/29/1954
1/24/1901
5/4/2004
5/8/2000
11/14/1928
11/6/2008
2/10/1999
1/1/1906
9/26/2005
8/1/1904
2/1/1960
4/27/2005
1/1/1910
9/24/1948
7/15/1943
1/1/1910
1/1/1935
12/13/1984
1/1/1891
10/4/2004
1/1/1917
10/19/1973
11/6/2006
9/8/1959
3/12/1934
5/24/1913
1/1/1896
1/1/1891
12/11/2006
4/10/2006
12/27/1995
1/1/1902
10/10/1975
6/9/2008
5/23/2006
8/1/1947
7/1/1937
2/1/1950
11/7/2005
4/9/1987
6/14/1937
11/1/1920
5/22/1968
Number
of
Total
S Corp
8
2
2
4
3
3
2
3
4
3
12
3
9
4
1
2
2
3
2
3
1
2
1
1
20
3
2
13
1
8
4
2
1
2
22
3
1
1
1
4
1
2
4
8
12
3
84
50
25
84
30
29
42
60
45
31
100
39
132
74
25
18
25
52
21
24
54
16
25
26
129
50
19
178
19
82
82
62
13
45
262
46
21
36
6
42
12
22
42
121
221
19
No
No
Yes
Yes
Yes
No
No
No
Yes
No
Yes
No
Yes
No
No
Yes
Yes
Yes
Yes
No
No
No
No
No
No
No
No
Yes
No
Yes
No
Yes
No
No
No
No
Yes
No
No
No
Yes
No
Yes
No
No
No
Total
Assets
($000)
ROAA
(%)
ROAE
(%)
581,075
205,436
94,323
469,667
129,166
160,227
367,173
221,093
175,217
116,224
404,679
138,047
337,558
274,687
141,690
68,883
71,124
133,630
96,228
55,275
272,441
45,658
88,364
79,936
474,254
384,729
56,389
599,731
103,298
275,350
332,532
229,858
121,781
333,233
819,346
158,732
120,621
164,834
27,384
98,159
42,055
93,539
124,654
438,021
546,503
64,857
2.21
0.68
0.31
2.13
1.06
0.50
1.04
1.14
3.45
0.23
0.74
-0.34
-1.10
0.54
1.38
1.08
1.00
-0.41
-1.03
0.43
1.35
0.53
1.09
0.93
1.10
0.62
-0.44
1.07
0.22
0.94
1.21
0.55
0.30
1.11
0.63
0.67
1.27
2.55
0.57
0.09
1.32
-0.19
1.49
1.29
-0.53
0.36
18.69
6.35
3.53
20.72
11.88
5.10
11.09
7.31
26.80
2.38
8.63
-6.52
-63.20
6.32
15.69
7.43
8.70
-5.31
-34.83
4.26
27.29
5.26
4.24
7.73
10.97
5.16
-4.67
9.61
2.23
14.09
18.59
5.81
3.43
10.85
6.38
7.51
8.83
18.19
4.27
0.82
9.48
-3.04
16.26
10.75
-6.79
3.72
Rank the Banks
Georgia
4 of 40
Company Name
City
Parent Company
Southeastern Bank
Southern Bank
Southern Bank & Trust
Southwest Georgia Bank
Spivey State Bank
State Bank and Trust Company
State Bank of Cochran
State Bank of Georgia
Stephens Federal Bank
SunMark Community Bank
SunTrust Bank
Synovus Bank
Talbot State Bank
Thomas County Federal Savings & Loan Association
Thomasville National Bank
Touchmark National Bank
Trust Bank
United Bank
United Community Bank
United National Bank
Vidalia Federal Savings Bank
Vinings Bank
Waycross Bank & Trust
West Central Georgia Bank
WestSide Bank
Wheeler County State Bank
Wilcox County State Bank
Wilkinson County Bank
Woodbury Banking Company
Darien
Sardis
Clarkesville
Moultrie
Swainsboro
Macon
Cochran
Fayetteville
Toccoa
Hawkinsville
Atlanta
Columbus
Fayetteville
Thomasville
Thomasville
Alpharetta
Lenox
Zebulon
Blairsville
Cairo
Vidalia
Smyrna
Waycross
Thomaston
Hiram
Alamo
Abbeville
Irwinton
Woodbury
Southeastern Banking Corporation
Sardis Bankshares, Inc.
SBT Bancorp, Inc.
Southwest Georgia Financial Corporation
State Bank Financial Corporation
Central Georgia Banking Company
SunMark Bancshares, Inc.
SunTrust Banks, Inc.
Synovus Financial Corp.
TSB Bancorp, Inc.
Thomasville Bancshares, Inc.
Touchmark Bancshares, Inc.
Trust Holding Company, Inc.
United Bank Corporation
United Community Banks, Inc.
WB&T Bankshares, Inc.
WCG Bancshares, Inc.
Wheeler Bancshares, Inc.
Woodbury Bancshares, Inc.
Date
Established
1/1/1889
7/2/1945
12/6/2005
1/3/1928
8/1/1953
10/3/2005
1/5/1922
11/5/2007
1/1/1933
8/27/1949
9/21/1891
1/1/1888
11/25/1907
1/1/1934
10/2/1995
1/28/2008
1/1/1906
1/31/1905
3/1/1950
5/26/2000
9/1/1936
7/9/2007
6/1/1988
4/15/1974
8/8/2006
6/29/1934
7/15/1952
7/16/1907
10/1/1902
Number
of
Total
S Corp
13
5
1
7
2
21
4
1
3
4
1,496
273
2
1
3
1
3
18
101
1
2
1
3
3
2
4
4
1
1
122
32
20
114
20
541
57
16
42
63
24,076
4,399
17
41
93
20
18
358
1,463
30
32
23
37
35
19
31
23
10
10
No
No
No
No
Yes
No
Yes
No
No
Yes
No
No
Yes
No
No
No
Yes
Yes
No
No
No
No
Yes
No
No
Yes
No
No
No
Total
Assets
($000)
ROAA
(%)
ROAE
(%)
386,453
82,293
100,893
374,851
91,622
2,585,676
207,493
68,699
153,048
204,040
178,360,920
26,322,184
70,509
263,754
593,258
146,493
32,510
1,024,619
7,331,344
179,422
229,079
245,082
201,182
117,306
117,026
88,435
79,792
46,213
22,865
0.42
0.05
0.87
0.84
1.31
1.05
1.56
0.72
-0.59
1.08
0.70
0.81
0.43
-0.99
1.35
0.38
0.48
1.48
0.95
1.47
0.35
1.41
0.52
1.23
-0.55
1.17
0.77
0.91
0.00
4.47
0.49
7.67
10.55
12.57
7.06
11.39
5.92
-14.10
10.20
5.52
6.39
7.36
-6.96
15.06
1.86
5.29
13.71
8.14
11.16
2.86
11.84
6.03
5.43
-11.36
8.42
8.18
7.67
-0.07
Rank the Banks
Georgia
5 of 40
Georgia - Total Assets
Ranking Company Name
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
SunTrust Bank
Synovus Bank
Ameris Bank
Fidelity Bank
Hamilton State Bank
Colony Bank
CharterBank
United Bank
Pinnacle Bank
Heritage Bank
Metro City Bank
PeoplesSouth Bank
Morris Bank
Citizens Trust Bank
First Chatham Bank
Southeastern Bank
KeyWorth Bank
Heritage Bank
Piedmont Bank
BankSouth
City
Atlanta
Columbus
Blairsville
Moultrie
Atlanta
Macon
Atlanta
Lawrenceville
Augusta
Hoschton
Albany
Fitzgerald
Atlanta
West Point
Zebulon
Atlanta
Louisville
Elberton
Hinesville
Thomasville
Lakeland
Doraville
Peachtree City
Augusta
Colquitt
Athens
Dublin
Tifton
Lavonia
Duluth
Atlanta
Moultrie
Savannah
Darien
Johns Creek
Blakely
Jonesboro
Norcross
Ringgold
Greensboro
Athens
Smyrna
Suwanee
Jasper
Leverage Ratio
(%)
Tier 1 Riskbased Ratio
(%)
Total
Deposits
($000)
Deposits/
Office
9.78
11.22
9.07
9.43
12.17
14.44
10.36
8.12
9.31
13.76
8.38
10.84
11.57
19.25
11.33
10.59
9.81
10.20
4.29
8.45
2.84
12.10
8.43
12.06
10.88
8.99
11.07
9.32
9.98
3.37
10.52
8.07
5.10
9.50
10.82
12.41
4.95
8.50
3.26
10.22
9.57
7.52
10.23
7.26
11.04
12.85
12.64
14.09
16.55
23.55
12.19
9.42
13.74
25.68
11.98
16.42
12.28
32.92
21.76
13.35
15.47
13.60
6.78
11.06
4.17
14.71
13.97
15.49
15.58
18.98
13.80
17.16
15.39
4.71
17.94
13.24
6.91
17.34
15.25
16.68
6.98
9.48
7.22
16.37
11.28
9.92
12.30
9.51
136,261,353
21,154,231
6,285,328
3,015,154
2,277,935
2,196,778
2,211,516
1,523,356
1,508,365
1,413,982
1,136,150
978,124
915,099
807,236
914,381
852,253
735,703
539,662
562,641
503,963
549,416
450,130
493,452
427,863
404,314
377,908
389,748
398,480
369,062
375,629
348,799
332,239
355,978
346,526
333,328
309,072
342,025
316,017
335,221
307,404
282,542
320,889
297,373
312,174
88,885
77,488
62,231
38,167
54,237
104,608
61,431
190,420
125,697
52,370
40,577
33,728
915,099
47,484
50,799
94,695
33,441
41,512
24,463
167,988
91,569
64,304
41,121
61,123
20,216
53,987
97,437
49,810
30,755
125,210
34,880
47,463
50,854
26,656
83,332
44,153
57,004
105,339
37,247
102,468
141,271
80,222
148,687
156,087
Assets/
Salary Exp/
Employees Employees
($000)
($000)
7,328
5,929
5,084
3,685
5,310
4,754
2,749
3,459
5,117
3,795
3,097
3,661
10,900
3,755
2,901
7,202
3,189
3,342
2,831
6,375
4,756
6,559
2,388
3,249
3,743
4,278
5,257
3,806
4,131
8,504
4,039
3,488
5,263
3,035
8,476
5,549
4,081
7,916
2,769
1,656
8,767
5,360
7,800
6,699
101
81
62
67
82
103
88
98
66
65
74
54
172
64
56
97
59
53
50
84
58
85
21
81
51
69
72
49
51
72
68
75
67
50
112
58
64
105
59
103
125
71
120
61
Total
Assets
($000)
175,463,961
26,105,598
7,376,836
3,485,840
2,814,342
2,619,390
2,550,664
1,753,801
1,744,841
1,684,933
1,409,159
1,138,526
1,122,719
1,073,905
1,029,678
979,409
835,557
614,868
585,937
567,389
565,978
550,976
549,132
523,066
471,642
470,611
457,362
452,928
408,979
408,178
399,851
394,163
389,472
382,367
381,442
377,332
375,434
372,064
365,566
364,292
359,466
348,369
343,212
341,646
Rank the Banks
Georgia
6 of 40
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
PrimeSouth Bank
Bank of Georgia
CornerstoneBank
PlantersFirst
Oconee State Bank
Affinity Bank
Citizens Bank
F&M Bank
Guardian Bank
Vinings Bank
Exchange Bank
Newton Federal Bank
First Landmark Bank
Glennville Bank
Bank of Madison
Metro Bank
Bank of Atlanta
Bank of Eastman
Bank of Dudley
First Covenant Bank
NOA Bank
City
Blackshear
Alma
Peachtree City
Atlanta
Atlanta
Doraville
Cordele
Watkinsville
Buford
Atlanta
Thomasville
Nashville
Washington
Americus
Valdosta
Griffin
Smyrna
Lafayette
Milledgeville
Milledgeville
Vidalia
Cumming
Sandersville
Covington
Atlanta
Valdosta
Atlanta
Hawkinsville
Cochran
Marietta
Glennville
Madison
Eatonton
Atlanta
Douglasville
Atlanta
Waycross
Eastman
Dalton
Dublin
Atlanta
Commerce
Cairo
Duluth
Leverage Ratio
(%)
(%)
Total
Deposits
($000)
Deposits/
Office
6.55
14.17
4.08
3.05
2.42
13.31
6.90
8.76
5.94
4.41
13.91
10.53
16.47
9.15
11.19
4.26
11.49
12.73
10.04
10.67
12.37
9.82
9.87
15.86
10.37
13.19
13.55
10.47
13.83
10.89
11.08
14.05
11.25
9.26
12.76
10.51
9.12
4.83
7.75
10.80
9.60
7.41
13.87
13.46
11.71
20.53
5.24
4.34
2.83
17.44
10.53
16.53
8.27
5.31
19.52
16.37
26.01
14.46
14.75
8.58
17.41
32.75
15.49
18.92
44.80
14.06
15.90
28.61
13.69
18.78
24.17
17.09
20.44
14.32
17.11
24.11
17.73
11.30
15.59
16.17
13.23
7.64
10.96
18.21
12.67
12.08
15.40
16.45
316,259
271,128
285,997
249,245
272,271
242,798
257,476
252,171
259,066
226,015
217,583
236,111
208,247
219,069
213,814
222,299
199,398
205,032
204,373
200,259
199,380
197,264
177,995
181,862
178,609
172,710
152,867
189,598
183,449
175,751
185,110
165,910
158,691
159,027
171,972
161,183
179,502
171,105
171,838
169,883
157,594
159,043
139,956
142,509
79,065
67,782
40,857
83,082
34,034
48,560
32,185
63,043
259,066
226,015
217,583
59,028
34,708
54,767
71,271
31,757
199,398
68,344
102,187
50,065
99,690
49,316
59,332
60,621
89,305
34,542
76,434
47,400
45,862
175,751
30,852
41,478
79,346
79,514
57,324
80,592
59,834
42,776
42,960
42,471
157,594
159,043
139,956
35,627
Assets/
Salary Exp/
Employees Employees
($000)
($000)
4,145
3,837
4,566
3,499
3,458
4,465
3,168
3,587
5,188
11,292
6,515
3,787
4,405
5,155
6,690
2,608
10,710
4,047
4,155
2,926
7,118
5,388
3,716
3,576
3,531
3,755
2,827
3,299
3,806
7,043
4,013
4,090
4,168
4,445
5,381
5,509
5,343
3,077
4,361
3,021
8,781
3,084
5,916
4,451
59
47
70
92
46
64
63
56
56
107
94
42
68
56
65
52
121
60
77
50
74
68
59
54
73
82
85
62
52
106
50
62
57
105
103
118
70
32
58
58
128
63
94
89
Total
Assets
($000)
339,865
318,502
310,465
286,925
283,588
281,309
278,788
276,236
274,977
271,016
267,122
265,100
264,277
242,278
240,852
239,938
235,628
234,744
228,547
228,221
227,767
226,314
222,936
221,742
218,896
217,810
217,642
214,417
213,116
211,281
208,671
204,495
200,050
200,005
199,088
198,314
197,705
193,834
191,870
190,349
175,623
172,719
171,558
164,698
Rank the Banks
Georgia
7 of 40
89
90
91
92
93
94
95
96
97
98
99
100
101
102
103
104
105
106
107
108
109
110
111
112
113
114
115
116
117
118
119
120
121
122
123
124
125
126
127
128
129
130
131
132
Rabun County Bank
River City Bank
Bank of Terrell
Northside Bank
Mount Vernon Bank
Peoples Bank
South Georgia Bank
AB&T National Bank
Bank of Alapaha
Farmers State Bank
Bank of Dawson
Providence Bank
Liberty First Bank
Farmers State Bank
City
Statesboro
Braselton
Clayton
Athens
Rome
Twin City
Valdosta
Sandersville
Cartersville
Dalton
Toccoa
Cleveland
Albany
Swainsboro
Douglas
Bainbridge
Vidalia
Brunswick
Dawson
Cumming
Gainesville
LaGrange
Alpharetta
Adairsville
Eastman
Vidalia
Eatonton
Douglas
Hahira
Fitzgerald
Glennville
Albany
Alapaha
Lincolnton
Pembroke
Chatsworth
Rome
Marietta
Dawson
Columbus
Alpharetta
Calhoun
Monroe
Dublin
Leverage Ratio
(%)
(%)
Total
Deposits
($000)
Deposits/
Office
5.09
12.78
9.52
9.93
13.41
13.94
17.28
8.98
12.08
10.22
4.05
10.58
8.52
9.91
12.94
10.95
9.70
10.29
10.73
13.87
8.86
11.59
18.92
5.60
6.33
10.02
8.41
12.17
9.90
10.66
9.66
8.91
11.18
12.97
9.63
8.47
9.80
10.76
15.61
11.68
6.18
9.77
10.14
13.53
8.62
17.48
15.73
13.03
20.02
24.01
29.61
12.68
20.82
14.83
5.91
15.52
11.63
15.56
16.43
15.70
13.48
15.92
14.94
19.21
12.33
16.29
22.95
7.28
11.38
18.70
13.12
19.49
16.15
17.56
14.16
12.24
13.27
26.22
19.60
13.78
13.14
14.58
29.66
15.40
7.01
16.23
16.68
18.34
154,223
136,386
136,321
139,650
133,630
139,406
119,009
139,906
137,035
129,503
148,711
130,426
138,453
136,200
131,109
130,051
134,846
126,359
127,179
111,670
118,034
117,254
94,992
122,110
120,750
118,008
110,561
112,987
118,273
112,808
111,324
109,840
113,134
103,094
107,254
114,922
102,482
105,001
104,599
102,624
103,864
103,822
100,524
101,364
51,408
68,193
45,440
46,550
133,630
46,469
29,752
69,953
45,678
64,752
49,570
43,475
138,453
68,100
131,109
65,026
33,712
42,120
42,393
55,835
118,034
39,085
94,992
40,703
20,125
39,336
36,854
112,987
29,568
56,404
27,831
36,613
28,284
51,547
53,627
38,307
25,621
52,501
104,599
102,624
103,864
34,607
100,524
33,788
Assets/
Salary Exp/
Employees Employees
($000)
($000)
3,739
5,819
3,394
7,727
4,365
3,580
3,482
3,403
4,627
4,899
3,451
5,543
5,292
3,711
5,044
4,555
2,616
4,194
4,609
8,830
5,481
3,980
6,751
3,446
2,915
4,402
2,586
4,701
2,723
4,440
3,057
3,276
3,754
4,367
4,860
2,909
3,262
5,370
4,940
4,522
9,374
3,800
6,885
3,650
60
79
57
76
66
62
72
66
68
84
58
73
81
58
75
54
57
59
75
97
63
53
129
64
49
64
47
62
65
58
54
80
47
63
47
61
64
75
77
68
96
58
86
68
Total
Assets
($000)
164,511
162,931
162,922
162,272
161,498
161,109
160,194
159,939
157,311
156,762
155,298
155,195
153,476
152,137
151,333
150,321
149,092
146,787
142,889
141,273
137,021
135,326
135,023
134,380
134,104
132,049
131,884
131,621
130,711
128,753
128,411
127,776
127,622
126,631
126,354
125,101
123,946
123,511
123,499
122,100
121,864
117,807
117,041
116,812
Rank the Banks
Georgia
8 of 40
133
134
135
136
137
138
139
140
141
142
143
144
145
146
147
148
149
150
151
152
153
154
155
156
157
158
159
160
161
162
163
164
165
166
167
168
169
170
171
172
173
174
175
176
WestSide Bank
Capital Bank
Claxton Bank
American Pride Bank
Bank of Perry
Resurgens Bank
Bank of Hazlehurst
Commercial Bank
Farmers Bank
Peoples Bank
Bank of Camilla
S Bank
Heritage First Bank
Monroe County Bank
Bank of Monticello
Bank of Dade
Bank of Early
Spivey State Bank
Family Bank
First Southern Bank
First State Bank
Southern Bank
Bank of Newington
City
Hiram
Sylvania
Waynesboro
Fort Oglethorpe
Thomaston
Camilla
Claxton
Macon
Perry
Donalsonville
McRae
Atlanta
Hazlehurst
Bainbridge
Crawford
Quitman
Gainesville
Clarkesville
Greensboro
Conyers
Camilla
Glennville
Rome
Forsyth
Monticello
Trenton
Blakely
Trenton
Swainsboro
Sandy Springs
Gainesville
Pelham
Bremen
Patterson
Wrens
Alamo
LaGrange
Dawsonville
Alma
Sparta
Sardis
Abbeville
Baxley
Newington
Leverage Ratio
(%)
(%)
Total
Deposits
($000)
Deposits/
Office
4.46
13.30
15.11
8.87
23.64
9.48
9.60
23.41
7.60
12.30
13.00
14.43
9.36
10.73
9.74
10.53
18.36
11.80
10.70
3.28
13.59
10.31
11.14
8.85
5.84
11.11
10.85
10.38
10.94
7.57
7.22
9.77
24.59
5.11
6.71
13.22
4.55
2.35
8.89
21.27
10.03
9.60
12.05
7.17
5.75
23.25
31.28
12.45
44.37
23.44
13.61
32.17
9.92
20.87
27.84
17.09
16.37
20.07
16.30
17.03
24.14
17.61
23.64
4.59
24.55
17.39
16.99
15.45
9.98
26.04
15.79
14.40
17.08
10.43
17.22
16.85
30.63
6.95
11.73
20.42
6.58
2.92
12.73
42.19
15.07
16.60
15.11
9.44
110,497
101,895
90,933
98,681
86,492
100,990
101,289
72,564
103,086
94,183
92,702
90,548
95,138
90,856
91,362
86,839
73,674
89,517
81,774
96,608
85,338
86,194
85,789
88,293
89,754
84,621
81,467
82,826
83,828
78,663
84,604
82,055
64,351
85,906
83,718
78,108
84,155
85,250
77,981
67,144
74,241
74,826
67,156
70,200
55,249
33,965
30,311
32,894
28,831
100,990
25,322
24,188
51,543
47,092
92,702
90,548
47,569
90,856
30,454
86,839
73,674
89,517
40,887
48,304
42,669
21,549
28,596
44,147
89,754
28,207
27,156
27,609
41,914
39,332
84,604
27,352
64,351
28,635
27,906
19,527
21,039
42,625
38,991
67,144
14,848
18,707
67,156
35,100
Assets/
Salary Exp/
Employees Employees
($000)
($000)
6,121
3,857
3,126
2,677
3,448
5,869
3,014
4,284
4,445
4,036
4,938
6,019
3,491
5,671
4,282
4,752
7,309
5,106
6,681
4,753
3,200
2,633
2,686
3,863
4,338
2,845
3,607
2,229
4,677
4,179
3,258
3,038
3,797
2,604
2,829
2,813
2,667
4,803
3,439
3,418
2,590
3,763
2,982
4,032
83
58
47
61
56
71
64
80
57
55
72
107
45
59
66
63
117
66
71
63
60
54
66
55
58
49
77
50
62
91
142
61
73
51
57
56
47
75
69
54
51
69
67
76
Total
Assets
($000)
116,307
115,718
115,651
115,093
113,776
111,517
111,507
111,382
111,120
108,966
108,640
108,336
108,222
107,746
107,057
104,537
102,325
102,115
100,211
99,807
99,202
97,406
96,694
96,569
95,435
93,869
93,770
93,637
93,530
91,948
91,212
91,144
91,135
91,128
90,532
90,008
88,015
86,453
85,985
85,445
82,870
82,793
77,535
76,608
Rank the Banks
Georgia
9 of 40
177
178
179
180
181
182
183
184
185
186
187
188
189
190
191
192
193
194
195
196
197
198
199
200
201
202
203
204
205
206
207
208
209
210
211
212
213
Peoples Bank
Legacy State Bank
First Peoples Bank
Talbot State Bank
Farmers Bank
Four County Bank
Citizens State Bank
Pineland State Bank
Peoples Bank
Farmers State Bank
Bank of Edison
Carver State Bank
First Bank of Pike
Security State Bank
Citizens Bank
Bank of Soperton
Trust Bank
Rochelle State Bank
Bank of Lumber City
City
Manchester
Baxley
Cochran
Cuthbert
Willacoochee
Loganville
Pine Mountain
Pelham
Fayetteville
Fayetteville
Dallas
Forsyth
Summerville
Lawrenceville
Allentown
Kingsland
Metter
Lyons
Wrightsville
Irwinton
Reynolds
Lumpkin
Talbotton
Edison
Savannah
Molena
McRae
Cairo
Soperton
Lenox
Greenville
Rochelle
Pearson
Woodbury
Lumber City
Elberton
Barwick
Leverage Ratio
(%)
(%)
Total
Deposits
($000)
Deposits/
Office
5.91
11.09
10.80
9.12
11.16
6.17
16.36
14.79
8.12
13.01
4.33
8.21
10.45
13.58
10.64
5.29
9.01
9.21
8.18
13.99
11.73
3.59
9.95
9.70
9.27
11.35
13.95
12.16
9.01
9.38
14.28
14.70
7.64
6.76
17.03
24.88
6.98
7.72
17.92
16.70
16.08
22.06
8.06
26.57
28.77
16.18
17.15
5.72
12.12
33.91
17.60
15.32
6.81
14.43
13.12
15.87
29.44
22.21
7.35
16.52
21.22
13.64
18.55
24.81
23.22
13.56
13.06
20.16
30.17
18.99
10.50
24.29
45.83
39.10
64,517
65,285
64,799
66,467
63,771
62,498
58,329
59,332
64,711
55,537
61,780
59,225
56,972
52,933
54,096
55,418
51,772
49,565
49,645
43,940
41,998
43,737
40,439
36,327
34,072
36,464
35,409
33,683
33,722
28,541
25,349
24,986
25,405
21,313
16,600
14,638
11,226
64,517
65,285
32,400
33,234
31,886
62,498
29,165
29,666
32,356
55,537
30,890
59,225
18,991
52,933
54,096
18,473
25,886
16,522
49,645
43,940
20,999
14,579
20,220
36,327
17,036
12,155
35,409
33,683
33,722
9,514
25,349
24,986
25,405
21,313
8,300
14,638
11,226
Assets/
Salary Exp/
Employees Employees
($000)
($000)
2,523
4,885
2,924
3,439
2,993
4,762
2,606
3,870
4,081
4,296
4,462
5,840
3,024
3,614
4,328
2,707
3,013
2,392
4,133
5,025
3,408
2,390
2,800
2,600
2,586
2,583
3,422
3,191
2,637
1,782
2,954
4,801
3,426
2,283
1,391
3,273
4,040
62
69
42
53
49
83
61
56
62
73
57
62
39
99
51
55
55
56
67
73
60
45
60
53
70
56
73
56
48
50
49
58
52
51
44
78
49
Total
Assets
($000)
75,692
73,275
73,091
72,222
71,833
71,436
70,368
69,662
69,370
68,740
66,932
64,243
63,514
61,439
60,585
59,551
57,240
55,017
53,730
50,247
47,710
45,401
44,798
41,595
41,382
41,324
41,064
38,295
36,920
32,079
29,543
28,806
27,406
22,832
20,863
19,638
12,121
Rank the Banks
Georgia
10 of 40
Georgia - Net Interest Margin
1
2
3
4
5
6
7
8
8
10
10
12
13
14
15
16
16
18
18
20
21
22
23
24
25
26
27
28
29
29
31
32
32
34
35
36
37
38
38
40
40
42
42
44
45
45
47
48
48
50
Trust Bank
First Bank of Pike
South Georgia Bank
Carver State Bank
Hamilton State Bank
Bank of Lumber City
Southern Bank
First Peoples Bank
BankSouth
First State Bank
American Pride Bank
Ameris Bank
Bank of Soperton
PrimeSouth Bank
Morris Bank
Metro City Bank
Heritage First Bank
Security State Bank
Bank of Early
Pinnacle Bank
Metro Bank
Capital Bank
First Covenant Bank
Family Bank
Bank of Terrell
Bank of Newington
Claxton Bank
Resurgens Bank
City
Total
Assets
($000)
Yield on
Loans (%)
Loan Growth
Rate (%)
Cost of
Funds (%)
Deposit
Growth Rate
(%)
Macon
Lenox
Molena
Atlanta
Glennville
Savannah
Hoschton
Lumber City
Albany
Alma
Sardis
Trenton
Vidalia
Cairo
Pine Mountain
Greensboro
Douglas
Wrens
Macon
Moultrie
Soperton
Atlanta
Suwanee
Blackshear
Baxley
Lawrenceville
Dublin
Doraville
Rome
McRae
Talbotton
Hahira
Athens
Woodbury
Blakely
Elberton
Rome
Atlanta
Douglasville
Fort Oglethorpe
Alamo
Cochran
Commerce
Swainsboro
Pelham
Dawson
Newington
Claxton
Atlanta
Twin City
2,619,390
32,079
41,324
2,814,342
128,411
41,382
1,684,933
20,863
1,409,159
318,502
82,870
93,637
149,092
171,558
70,368
364,292
151,333
90,532
111,382
3,485,840
36,920
218,896
343,212
339,865
77,535
61,439
457,362
550,976
96,694
41,064
44,798
130,711
162,272
22,832
93,770
614,868
123,946
979,409
199,088
115,093
90,008
213,116
172,719
152,137
91,144
142,889
76,608
111,507
108,336
161,109
13.44
9.19
7.64
7.57
7.78
8.22
9.35
8.35
7.71
6.73
6.91
6.78
6.63
5.96
6.54
7.04
5.95
7.37
6.55
5.87
6.73
6.10
5.90
6.13
7.03
6.20
6.03
5.78
6.88
7.35
7.15
6.54
6.25
6.30
5.99
5.99
6.09
6.28
6.05
5.81
6.45
6.83
6.67
6.15
6.02
6.38
6.68
6.60
6.03
6.54
-2.48
21.34
1.67
22.70
-1.63
-3.53
57.34
5.68
21.34
1.34
-0.32
0.96
0.54
0.69
2.25
10.14
11.70
-1.12
-5.95
28.12
18.22
-0.48
4.49
-5.68
10.13
15.53
16.73
21.97
9.69
-5.68
23.36
1.16
7.32
-2.08
1.25
5.75
8.02
40.60
9.59
-8.66
3.34
-2.60
-18.75
2.50
1.07
8.45
10.24
11.41
26.50
2.65
0.36
0.45
0.60
0.57
0.68
0.83
0.38
0.46
0.62
0.58
0.70
0.61
0.43
0.86
0.28
0.71
0.59
0.55
0.60
0.32
0.29
0.53
0.61
0.58
0.36
0.63
0.60
0.62
0.50
0.45
0.54
0.65
0.82
0.42
0.62
0.21
0.52
0.52
0.70
0.48
0.41
0.44
0.06
0.48
0.70
1.02
1.39
0.40
0.92
0.46
-0.49
-3.41
2.46
10.30
2.64
-3.33
28.74
-11.06
2.99
1.93
-1.47
1.95
-9.38
-1.21
2.43
4.02
5.72
-2.56
-9.88
21.06
9.43
2.10
3.71
-0.91
-1.20
20.18
8.45
11.52
-3.75
2.85
19.02
4.60
4.90
-1.49
-0.58
6.78
-5.43
35.37
23.67
-2.66
-2.50
-6.70
-4.39
2.35
1.23
-3.52
1.17
4.26
24.18
-3.06
Yield on
Net
Loans/
Investment
Interest
Deposits (%) Securities (FTE) (%) Margin
64.40
74.81
68.88
83.29
72.61
72.41
60.48
65.79
82.42
88.41
70.33
70.31
79.26
113.09
81.49
87.90
91.77
63.98
96.92
84.81
73.22
92.03
97.00
66.16
78.59
82.73
92.28
98.34
85.03
55.26
62.97
72.93
91.21
66.38
82.59
67.40
79.27
78.93
81.82
80.07
74.60
75.13
43.97
74.46
80.69
86.21
87.14
69.51
89.84
69.70
2.44
3.26
2.59
2.49
3.34
0.64
1.61
4.31
2.19
1.90
3.57
2.94
1.85
1.64
2.31
3.58
1.87
2.31
2.77
2.85
1.04
2.26
1.17
3.63
1.05
5.00
2.94
2.07
1.96
3.18
2.19
1.58
1.25
2.07
2.05
2.94
2.82
1.89
2.02
2.24
1.72
0.37
3.01
2.84
2.00
2.24
NA
1.71
1.69
2.17
8.57
6.01
5.60
5.57
5.43
5.37
5.33
5.24
5.24
5.08
5.08
5.06
5.02
5.00
4.99
4.94
4.94
4.90
4.90
4.89
4.88
4.87
4.86
4.79
4.77
4.76
4.75
4.72
4.71
4.71
4.68
4.62
4.62
4.60
4.58
4.54
4.53
4.50
4.50
4.46
4.46
4.42
4.42
4.41
4.39
4.39
4.38
4.35
4.35
4.34
Rank the Banks
Georgia
11 of 40
50
52
52
54
55
56
56
56
59
60
60
60
63
64
64
66
67
68
68
70
70
70
73
73
75
76
76
76
79
79
79
79
79
79
85
86
87
88
88
90
91
92
92
94
94
96
96
98
98
100
Commercial Bank
Peoples Bank
Farmers State Bank
Bank of Perry
NOA Bank
Glennville Bank
First Southern Bank
PlantersFirst
Bank of Monticello
PeoplesSouth Bank
Spivey State Bank
Newton Federal Bank
Bank of Dudley
Piedmont Bank
Guardian Bank
Bank of Dawson
Northside Bank
Four County Bank
Talbot State Bank
Bank of Madison
City
Crawford
Waynesboro
Hawkinsville
Bremen
Lyons
Milledgeville
Cartersville
Dawsonville
Elberton
Dublin
Thomaston
Perry
Duluth
Peachtree City
Glennville
Statesboro
Patterson
Blakely
Dallas
Cordele
Monticello
Athens
Jasper
Fayetteville
Colquitt
Swainsboro
Smyrna
LaGrange
Covington
Sandersville
Greenville
Dublin
Columbus
Norcross
Valdosta
Dalton
Clarkesville
Irwinton
Braselton
Valdosta
Marietta
Dawson
Adairsville
Allentown
Albany
Douglas
Cumming
Fayetteville
Madison
Sylvania
Total
Assets
($000)
Yield on
Loans (%)
Loan Growth
Rate (%)
Cost of
Funds (%)
Deposit
Growth Rate
(%)
107,057
115,651
214,417
91,135
55,017
228,547
157,311
86,453
19,638
116,812
113,776
111,120
164,698
549,132
208,671
164,511
91,128
377,332
66,932
278,788
95,435
359,466
341,646
68,740
471,642
93,530
348,369
135,326
221,742
222,936
29,543
190,349
122,100
372,064
240,852
191,870
102,115
50,247
162,931
160,194
123,511
123,499
134,380
60,585
153,476
131,621
226,314
69,370
204,495
115,718
5.98
7.38
6.37
5.66
6.08
5.99
7.57
6.14
5.22
5.50
6.63
5.38
5.89
6.86
6.69
6.68
5.67
5.96
6.11
5.75
6.06
5.36
5.66
6.05
5.64
5.58
5.70
5.54
5.92
6.51
5.94
5.69
5.58
5.71
5.28
6.11
5.51
6.48
5.56
5.37
5.69
6.45
5.68
6.19
4.89
5.91
5.46
7.74
5.93
6.12
47.32
7.46
5.08
42.68
-4.69
3.35
9.02
-2.09
11.44
4.36
-2.33
8.81
13.20
239.99
6.64
-13.85
-13.67
5.79
12.30
0.23
-2.48
11.64
6.41
-4.61
-0.85
1.50
0.25
8.62
3.07
0.69
-3.07
3.28
9.64
29.01
4.08
9.24
8.72
-3.07
10.86
-0.50
-5.05
2.84
1.89
3.13
10.88
3.02
0.07
-8.37
-3.76
-6.09
0.34
0.48
0.33
0.71
0.29
0.54
0.52
0.90
0.35
0.41
0.37
0.31
0.91
0.27
0.55
0.35
0.48
0.68
0.45
0.38
0.62
0.88
1.08
1.10
0.59
0.40
0.73
0.47
1.32
0.53
0.22
0.31
0.59
0.83
0.60
1.01
0.50
0.36
0.65
0.84
0.76
0.72
0.67
0.65
0.48
0.49
0.50
3.10
0.51
0.71
5.69
-2.67
3.06
22.68
13.49
-0.54
2.91
-0.35
3.44
0.33
-1.47
1.70
22.09
257.97
-0.18
-6.84
-14.74
1.29
3.09
-3.32
0.86
6.39
5.07
-7.45
-7.42
-1.72
-5.64
8.60
-4.36
-0.84
6.84
4.72
-9.46
11.38
1.88
4.56
6.99
-5.42
15.72
-5.34
-3.98
2.26
2.67
-0.59
3.98
-1.60
5.88
-1.00
-4.12
-3.01
Yield on
Net
Loans/
Investment
Interest
76.79
64.62
68.50
108.27
71.59
69.29
64.05
64.34
95.59
78.98
57.09
81.83
82.26
53.25
65.71
60.01
72.60
90.12
67.84
69.92
70.09
106.89
80.60
91.96
77.11
74.87
82.98
76.83
103.09
78.86
46.42
72.43
86.69
92.54
87.42
81.78
75.43
56.11
81.68
111.61
78.05
58.78
73.08
74.93
94.24
70.30
74.88
65.48
72.52
53.79
3.40
5.18
1.34
2.46
0.62
2.84
3.33
3.39
3.72
2.75
3.36
1.78
2.43
2.26
2.45
0.73
2.98
1.80
1.03
1.50
2.68
2.21
3.23
2.45
2.54
1.84
2.91
1.69
1.02
0.94
2.85
2.11
2.13
1.45
1.90
1.54
2.83
1.71
2.39
1.01
1.82
2.43
1.91
2.34
1.19
1.89
1.98
5.57
2.70
3.23
4.34
4.28
4.28
4.26
4.23
4.22
4.22
4.22
4.20
4.19
4.19
4.19
4.18
4.17
4.17
4.16
4.14
4.13
4.13
4.09
4.09
4.09
4.07
4.07
4.06
4.05
4.05
4.05
4.04
4.04
4.04
4.04
4.04
4.04
4.02
4.01
3.99
3.97
3.97
3.96
3.95
3.94
3.94
3.93
3.93
3.91
3.91
3.90
3.90
3.88
Rank the Banks
Georgia
12 of 40
100
102
102
104
105
105
107
107
109
110
111
111
113
114
114
114
117
117
119
119
119
119
123
123
125
126
127
128
128
130
131
131
133
133
133
136
137
137
139
140
140
140
140
140
140
146
146
146
146
150
Peoples Bank
Heritage Bank
AB&T National Bank
Farmers State Bank
Bank of Alapaha
Bank of Dade
Farmers Bank
F&M Bank
Exchange Bank
Citizens Bank
Pineland State Bank
WestSide Bank
First Landmark Bank
Colony Bank
Citizens State Bank
Fidelity Bank
Bank of Edison
S Bank
United Bank
Monroe County Bank
Rabun County Bank
Citizens Trust Bank
Vinings Bank
Bank of Camilla
City
Total
Assets
($000)
Yield on
Loans (%)
Loan Growth
Rate (%)
Cost of
Funds (%)
Deposit
Growth Rate
(%)
Sandersville
Willacoochee
Atlanta
Abbeville
LaGrange
Jonesboro
Albany
Atlanta
Lakeland
Alpharetta
Lumpkin
Alapaha
Trenton
Forsyth
Moultrie
Cleveland
Washington
Dalton
Milledgeville
Nashville
Metter
Louisville
Bainbridge
Hiram
Lawrenceville
Sandy Springs
Marietta
Fitzgerald
Kingsland
Thomasville
Reynolds
Baxley
Atlanta
Edison
Tifton
Glennville
Sparta
Gainesville
Zebulon
Forsyth
Clayton
Fitzgerald
Atlanta
Quitman
Smyrna
Americus
Camilla
Thomasville
Doraville
Chatsworth
159,939
71,833
175,623
82,793
88,015
375,434
127,776
200,005
565,978
135,023
45,401
127,622
93,869
64,243
394,163
155,195
264,277
156,762
228,221
265,100
57,240
835,557
150,321
116,307
1,753,801
91,948
211,281
1,138,526
59,551
267,122
47,710
73,275
2,550,664
41,595
452,928
97,406
85,445
137,021
1,029,678
96,569
162,922
128,753
399,851
104,537
235,628
242,278
99,202
567,389
281,309
125,101
5.74
6.04
5.36
5.49
5.41
5.25
4.91
5.72
5.65
5.22
6.80
5.85
6.47
5.59
5.59
5.60
5.78
5.98
6.04
5.72
6.36
5.68
5.35
5.03
4.61
5.45
5.58
5.46
5.35
5.24
6.90
6.33
4.35
7.41
6.20
6.56
7.13
5.30
6.08
6.53
5.47
5.68
5.74
5.65
5.54
5.54
6.30
4.55
5.37
5.43
-2.17
4.61
-24.26
0.45
-0.25
4.96
4.21
1.27
-2.71
20.07
-13.00
16.62
-0.44
-2.62
7.26
8.39
-3.84
11.15
-5.89
-9.26
-1.10
-1.17
-0.17
-16.19
22.36
-42.52
8.51
0.17
-6.85
-4.06
1.16
0.00
-5.35
13.98
30.69
-8.96
-1.11
4.41
-0.73
5.82
-6.88
8.98
-1.26
-7.05
12.06
4.17
-11.98
7.92
2.01
5.07
0.55
0.54
0.69
0.38
0.46
0.42
0.35
1.03
0.96
0.78
0.54
0.67
0.27
0.31
0.49
0.64
0.69
0.58
0.65
0.79
0.47
0.69
0.67
0.77
0.59
0.53
0.44
0.66
0.57
0.76
0.66
0.58
0.48
0.76
0.42
0.78
0.87
0.49
0.36
1.11
0.53
0.49
0.26
1.05
0.57
0.32
0.62
0.48
0.53
0.27
-5.78
8.53
-18.39
-2.89
-1.71
3.89
1.23
16.62
-2.81
25.35
-0.53
-0.10
0.16
-1.06
6.58
11.48
-5.05
-1.99
1.27
-7.34
-8.65
-3.85
7.00
-3.20
15.61
-28.04
5.13
2.37
-11.07
-2.89
25.21
1.70
6.64
-3.67
25.63
-2.81
-1.62
-0.36
-0.97
12.46
-13.63
1.47
2.76
-0.20
4.05
-2.27
1.04
15.30
4.78
-3.90
Yield on
Net
Loans/
Investment
Interest
67.13
49.74
80.75
71.19
63.15
76.51
89.98
84.36
73.38
97.29
37.44
68.08
46.88
62.09
67.06
64.81
59.50
70.85
50.99
73.21
63.97
69.28
71.64
64.52
95.41
51.50
74.73
75.43
71.84
96.31
46.45
61.35
91.73
49.32
52.23
57.56
50.20
78.69
53.82
69.08
79.86
67.93
51.95
76.58
50.75
67.56
45.45
96.92
77.93
60.42
2.15
3.66
1.74
1.46
3.18
1.51
2.19
3.00
1.28
2.38
2.59
2.09
2.23
1.80
2.95
3.28
3.17
2.50
2.95
1.22
1.08
2.40
3.98
3.79
2.53
2.29
2.39
1.51
1.09
1.04
3.18
1.66
2.56
2.24
3.10
1.71
3.34
1.54
2.15
0.03
3.71
2.67
2.82
3.45
3.87
2.49
4.10
0.55
1.69
1.73
3.88
3.87
3.87
3.86
3.82
3.82
3.81
3.81
3.80
3.79
3.78
3.78
3.76
3.75
3.75
3.75
3.74
3.74
3.73
3.73
3.73
3.73
3.70
3.70
3.69
3.68
3.67
3.66
3.66
3.65
3.64
3.64
3.63
3.63
3.63
3.62
3.61
3.61
3.60
3.59
3.59
3.59
3.59
3.59
3.59
3.58
3.58
3.58
3.58
3.57
Rank the Banks
Georgia
13 of 40
150
152
152
154
154
156
157
158
159
160
161
161
161
164
164
166
167
168
169
170
171
172
172
172
172
176
177
178
178
178
181
181
183
184
185
186
186
188
189
189
191
191
193
194
194
196
197
198
198
200
Liberty First Bank
Synovus Bank
River City Bank
Southeastern Bank
Bank of Eastman
Bank of Atlanta
CharterBank
Farmers State Bank
Peoples Bank
Oconee State Bank
Bank of Georgia
KeyWorth Bank
Bank of Hazlehurst
Peoples Bank
Mount Vernon Bank
SunTrust Bank
Rochelle State Bank
Heritage Bank
Providence Bank
Farmers Bank
CornerstoneBank
City
Total
Assets
($000)
Yield on
Loans (%)
Loan Growth
Rate (%)
Cost of
Funds (%)
Deposit
Growth Rate
(%)
Monroe
Toccoa
Gainesville
Wrightsville
Augusta
McRae
Columbus
Alma
Rome
Darien
Eastman
Pelham
Waycross
Eastman
Lavonia
Blairsville
Valdosta
Eatonton
Calhoun
Atlanta
Manchester
West Point
Buford
Lincolnton
Gainesville
Conyers
Watkinsville
Peachtree City
Johns Creek
Cumming
Hazlehurst
Pembroke
Augusta
Donalsonville
Eatonton
Cuthbert
Vidalia
Atlanta
Griffin
Rochelle
Hinesville
Brunswick
Atlanta
Cochran
Atlanta
Alpharetta
Greensboro
Atlanta
Bainbridge
Lafayette
117,041
155,298
91,212
53,730
523,066
108,640
26,105,598
85,985
161,498
382,367
193,834
69,662
197,705
134,104
408,979
7,376,836
217,810
200,050
117,807
198,314
75,692
1,073,905
274,977
126,631
102,325
99,807
276,236
310,465
381,442
141,273
108,222
126,354
1,744,841
108,966
131,884
72,222
132,049
175,463,961
239,938
28,806
585,937
146,787
283,588
73,091
217,642
121,864
100,211
286,925
107,746
234,744
5.55
4.76
5.35
5.83
5.18
6.88
4.36
5.86
5.03
5.82
5.96
6.91
4.99
6.45
5.55
4.59
5.53
5.22
5.88
5.21
5.97
5.92
5.47
6.71
4.72
4.60
5.09
4.57
5.76
5.44
5.31
5.58
5.08
6.64
5.18
6.19
6.70
3.73
6.23
7.17
5.30
4.74
4.85
5.29
4.99
4.92
5.75
4.81
5.79
5.76
-5.35
-8.44
-47.47
-5.83
5.26
-2.63
3.64
0.75
1.57
-0.31
-11.06
2.95
8.47
-2.92
4.91
3.44
-1.91
2.43
-7.43
4.08
2.70
2.57
-2.29
-3.29
5.26
-6.77
-9.50
-9.69
18.96
18.12
20.68
-6.90
3.86
-8.79
4.51
-4.10
-3.36
5.42
-3.41
2.60
-18.23
7.13
-5.20
13.99
-18.02
10.73
8.68
-6.54
3.26
4.78
0.82
0.40
0.05
0.46
0.46
0.50
0.32
0.40
0.51
0.25
0.92
0.44
0.40
0.54
0.32
0.24
0.89
0.70
0.81
0.55
1.40
0.72
0.93
1.00
0.70
0.27
0.43
0.74
0.95
0.58
0.35
0.45
0.55
0.83
0.54
0.71
0.64
0.28
0.31
0.66
0.70
0.69
1.11
0.97
0.86
0.80
0.73
0.84
0.79
0.62
13.76
-9.24
3.27
4.25
0.88
8.24
1.71
0.61
2.88
3.70
-6.09
3.06
6.01
-2.86
-0.22
3.39
-1.58
-3.82
-9.51
12.55
-23.79
-13.27
-11.17
-7.39
13.19
-7.83
3.10
-5.88
12.48
7.53
0.17
1.34
2.55
-0.24
-2.13
0.27
-9.34
4.30
0.46
-1.13
-14.04
-3.69
-2.35
14.09
-29.71
5.04
-2.39
-7.95
-5.64
-3.14
Yield on
Net
Loans/
Investment
Interest
64.70
75.88
37.11
47.12
73.98
40.76
95.35
63.97
76.78
50.06
69.96
40.18
73.51
49.98
54.50
69.78
86.90
67.74
63.49
76.36
81.48
72.55
65.88
53.57
93.03
65.51
49.57
72.46
64.73
81.33
61.45
36.57
62.34
48.94
69.64
41.24
53.54
95.87
43.34
31.89
59.62
87.62
76.07
56.85
98.60
64.88
37.59
79.44
53.26
44.21
2.39
1.18
2.82
2.06
2.20
2.72
1.83
1.21
1.73
1.94
2.14
2.70
1.80
2.34
2.01
2.13
2.13
2.87
2.55
1.85
1.83
1.76
2.29
3.52
2.01
1.84
2.85
3.62
2.17
0.91
1.30
3.20
2.53
3.55
1.77
2.59
1.67
2.54
1.61
2.94
1.94
2.10
2.15
2.96
1.81
2.70
3.04
2.16
2.06
2.28
3.57
3.56
3.56
3.55
3.55
3.54
3.53
3.51
3.50
3.49
3.48
3.48
3.48
3.45
3.45
3.44
3.43
3.41
3.39
3.38
3.37
3.36
3.36
3.36
3.36
3.35
3.34
3.32
3.32
3.32
3.29
3.29
3.28
3.26
3.25
3.24
3.24
3.16
3.15
3.15
3.14
3.14
3.13
3.11
3.11
3.05
3.02
2.95
2.95
2.94
Rank the Banks
Georgia
14 of 40
201
202
203
204
205
206
207
208
209
210
211
212
213
Legacy State Bank
Citizens Bank
First Chatham Bank
Affinity Bank
City
Total
Assets
($000)
Yield on
Loans (%)
Loan Growth
Rate (%)
Cost of
Funds (%)
Deposit
Growth Rate
(%)
Loganville
Cairo
Atlanta
Ringgold
Pearson
Savannah
Athens
Summerville
Camilla
Atlanta
Duluth
Vidalia
Barwick
71,436
38,295
1,122,719
365,566
27,406
389,472
470,611
63,514
111,517
271,016
408,178
227,767
12,121
4.75
5.46
3.62
5.68
5.46
4.44
5.27
7.86
6.65
4.62
4.58
6.50
6.76
0.78
-4.36
4.49
-20.18
-0.96
2.90
2.01
-8.98
-1.61
1.79
-10.17
-9.84
-8.62
0.72
0.27
0.33
0.55
0.24
0.73
0.61
0.39
0.26
1.06
1.24
1.19
0.43
2.94
-15.02
-6.26
-8.59
-5.33
-8.50
0.89
-11.76
3.51
-6.49
-9.42
-1.03
5.90
Yield on
Net
Loans/
Investment
Interest
62.95
57.51
89.98
34.39
38.26
69.22
62.76
20.17
25.80
85.17
68.77
35.68
20.95
2.66
1.99
2.03
2.27
1.99
2.16
1.85
2.26
3.62
2.89
2.91
2.43
0.86
2.89
2.86
2.82
2.81
2.80
2.79
2.73
2.70
2.68
2.65
2.43
2.20
1.65
Rank the Banks
Georgia
15 of 40
Georgia - Noninterest Income
1
2
3
4
5
6
7
8
9
10
11
11
13
14
15
16
17
18
19
20
20
22
23
24
25
26
27
28
28
30
31
32
33
34
35
35
37
38
38
40
40
42
43
43
45
45
47
48
48
BankSouth
NOA Bank
Fidelity Bank
CornerstoneBank
Bank of Georgia
Heritage Bank
Metro City Bank
Carver State Bank
Bank of Eastman
Ameris Bank
Bank of Lumber City
Bank of Camilla
SunTrust Bank
United Bank
Northside Bank
Pinnacle Bank
Peoples Bank
Bank of Atlanta
First Chatham Bank
S Bank
CharterBank
Peoples Bank
First Covenant Bank
PlantersFirst
Spivey State Bank
Capital Bank
City
Greensboro
Duluth
Atlanta
Gainesville
Doraville
Sandy Springs
Lawrenceville
Atlanta
Peachtree City
Hinesville
Atlanta
Doraville
Augusta
Savannah
Eastman
Moultrie
Lumber City
Lawrenceville
Manchester
Camilla
Atlanta
Zebulon
Thomasville
Adairsville
Elberton
Lyons
Atlanta
Albany
Moultrie
Savannah
Alma
Hahira
Baxley
Glennville
West Point
Peachtree City
Alpharetta
Dawsonville
Eatonton
Commerce
Cordele
Valdosta
Chatsworth
Swainsboro
Fort Oglethorpe
Griffin
Douglas
Atlanta
Buford
Total
Assets
($000)
Net
Income
($000)
370,051
175,217
2,733,526
89,886
271,014
93,539
1,822,276
271,891
325,869
550,889
233,232
581,075
518,604
41,191
193,469
3,524,038
19,783
68,111
77,636
95,090
178,360,920
1,024,619
593,258
138,047
599,731
55,275
195,262
1,482,901
374,851
379,395
327,108
129,818
79,936
98,159
1,035,609
546,503
146,493
83,123
133,630
159,847
275,350
216,779
124,088
91,622
114,025
233,770
154,526
205,436
272,441
6,866
5,204
28,141
-1,317
3,133
-678
4,496
-3,093
-2,335
3,873
949
10,554
4,927
1
-1,622
25,708
52
193
-779
137
1,222,815
15,659
7,442
-527
6,652
218
6,245
9,331
2,977
1,070
3,821
1,692
681
75
6,709
-859
549
-623
-570
2,707
3,175
1,577
-747
1,098
524
-531
3,689
1,582
3,544
Gain on Sale
Service Charges of Loans/ Avg
on Deposits /
Asset
Avg Assets (%)
(%)
0.25
0.07
0.17
0.01
0.37
0.08
0.12
0.04
0.17
1.46
0.01
0.20
0.30
0.86
0.44
0.67
1.32
0.15
0.50
0.61
0.38
0.68
0.11
0.29
1.10
0.74
0.04
0.45
0.36
0.25
0.59
0.46
0.88
0.55
0.45
0.47
0.02
0.13
0.67
0.07
0.74
0.32
0.59
0.80
0.67
0.61
0.50
0.06
0.20
3.89
2.66
2.34
1.91
1.85
0.44
1.66
1.73
0.00
0.00
1.23
0.92
1.34
0.00
0.00
0.67
0.00
1.16
0.00
0.00
-0.10
0.07
0.00
0.74
0.00
0.58
0.95
0.80
0.00
0.40
0.00
0.00
0.22
0.00
0.09
0.27
0.86
0.93
0.00
0.00
0.04
0.00
0.00
0.00
0.00
0.04
0.00
0.86
0.00
Net
Servicing
Fees/ Avg
Assets
(%)
Net Gains
on OREO/
Avg Assets
(%)
Total
Noninterest
Income
($000)
NonInterest
Income/
Avg Assets
(%)
0.00
0.64
0.29
0.00
0.48
0.00
0.02
0.29
0.00
0.00
0.00
0.57
0.00
0.00
0.00
0.01
0.00
0.05
0.00
0.06
0.09
0.11
0.00
-0.01
0.01
0.25
0.23
0.15
0.11
0.02
0.00
0.00
0.22
0.00
0.02
0.01
0.27
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.10
0.00
0.09
0.00
0.16
-0.03
-0.26
1.73
0.01
-0.14
1.45
-0.38
0.04
-0.10
-0.10
-0.01
-0.29
-0.02
0.00
-0.12
-0.22
0.01
0.01
-0.02
0.01
-0.06
0.00
-0.36
0.00
0.00
-0.01
0.06
0.25
-0.28
-0.17
0.07
-0.01
-0.12
-0.04
-0.16
0.10
-0.07
-0.08
-0.01
0.07
0.00
-0.13
-0.09
0.00
0.00
0.56
29,454
5,447
85,366
2,603
7,317
2,909
41,536
6,284
6,523
12,030
4,060
10,067
9,543
763
3,510
56,394
351
1,004
1,230
1,453
2,476,094
14,616
7,993
1,839
7,879
693
2,484
17,800
4,858
4,961
4,005
1,604
940
1,150
12,881
4,136
1,533
1,067
1,512
1,861
3,145
2,487
1,412
1,027
1,282
2,657
1,643
2,157
3,041
8.19
3.47
3.33
2.99
2.67
2.62
2.42
2.11
2.06
2.02
1.93
1.93
1.89
1.85
1.81
1.77
1.75
1.74
1.60
1.45
1.45
1.43
1.41
1.37
1.36
1.34
1.32
1.29
1.29
1.28
1.27
1.25
1.21
1.20
1.19
1.19
1.17
1.16
1.16
1.15
1.15
1.14
1.13
1.13
1.12
1.12
1.11
1.09
1.09
Rank the Banks
Georgia
16 of 40
50
51
52
53
54
54
56
57
58
59
60
60
60
63
64
64
66
66
68
69
69
69
69
73
73
73
76
76
78
79
79
79
82
82
82
85
85
85
88
89
90
90
90
93
93
95
95
97
98
Bank of Newington
Citizens Trust Bank
First Peoples Bank
Heritage First Bank
Farmers Bank
Synovus Bank
Claxton Bank
First Bank of Pike
Talbot State Bank
Bank of Perry
Bank of Early
Trust Bank
Bank of Hazlehurst
Bank of Soperton
Farmers State Bank
Vinings Bank
Security State Bank
AB&T National Bank
Commercial Bank
Peoples Bank
American Pride Bank
Bank of Dudley
City
Total
Assets
($000)
Net
Income
($000)
Jasper
Louisville
Waynesboro
Tifton
Newington
Cartersville
Augusta
Greenville
Atlanta
Pine Mountain
Ringgold
Bremen
Atlanta
Rome
Forsyth
Athens
Dallas
Columbus
Milledgeville
Claxton
Twin City
Molena
Fayetteville
Perry
Fitzgerald
Rome
Blakely
Douglas
Swainsboro
Eastman
Lenox
Blairsville
Hazlehurst
Soperton
Trenton
Sandersville
Lincolnton
Smyrna
McRae
Albany
Crawford
Pelham
Willacoochee
Suwanee
Hawkinsville
Macon
Dublin
Thomaston
Atlanta
342,560
819,346
112,895
438,021
80,222
155,443
1,777,705
27,555
406,413
70,143
337,558
88,364
229,858
93,417
63,668
457,979
68,724
26,322,184
219,581
109,877
157,364
41,948
70,509
117,985
125,076
127,942
94,406
128,568
149,132
130,216
32,510
7,331,344
112,748
36,711
92,334
216,484
124,196
245,082
42,055
128,183
106,088
68,883
71,124
333,233
204,040
113,252
184,196
117,306
3,056,495
6,436
5,198
1,370
4,764
643
1,619
16,980
150
1,679
439
-6,634
763
1,700
879
222
4,052
554
211,255
2,512
723
2,474
145
49
765
1,469
171
716
2,164
1,446
-12
142
263,086
814
313
519
1,112
1,543
3,154
541
744
1,318
773
646
3,230
2,029
1,384
1,373
1,477
10,450
Gain on Sale
on Deposits /
Asset
Avg Assets (%)
(%)
0.16
0.75
0.77
0.49
0.15
0.30
0.29
0.56
0.75
0.53
0.53
0.15
0.17
0.26
0.73
0.41
0.11
0.30
0.22
0.41
0.64
0.49
0.06
0.44
0.45
0.43
0.49
0.48
0.46
0.51
0.45
0.22
0.71
0.94
0.57
0.35
0.52
0.01
0.60
0.24
0.38
0.37
0.41
0.03
0.37
0.11
0.35
0.41
0.22
0.23
0.00
0.00
0.00
0.86
0.00
0.20
0.00
0.00
0.08
0.07
0.53
0.00
0.31
0.00
0.00
0.00
0.04
0.01
0.13
0.00
0.00
0.00
0.00
0.00
0.28
0.00
0.00
0.00
0.00
0.00
0.09
0.00
0.00
0.00
0.00
0.00
0.11
0.00
0.00
0.00
0.00
0.00
1.09
0.00
0.57
0.12
0.00
0.06
Net
Servicing
Fees/ Avg
Assets
(%)
Net Gains
on OREO/
Avg Assets
(%)
Total
Noninterest
Income
($000)
NonInterest
Income/
Avg Assets
(%)
0.12
0.00
0.00
0.01
0.16
0.00
0.00
0.00
0.00
0.00
0.00
0.05
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.04
0.00
0.00
0.00
0.00
0.00
0.11
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.07
0.00
0.02
0.00
0.00
0.00
-0.04
-0.28
0.00
-0.01
-0.12
-0.08
0.00
0.00
-0.08
-0.12
-0.32
0.02
0.00
-0.04
-0.33
-0.08
0.55
-0.07
-0.04
0.05
-0.05
0.00
0.09
-0.01
0.00
-0.29
0.06
0.00
-0.05
-0.02
0.01
0.02
-0.04
-0.59
-0.16
-0.02
-0.10
0.19
0.00
-0.21
-0.02
0.00
-0.02
-0.65
-0.24
-0.08
-0.07
0.01
-0.09
3,674
8,882
1,197
4,222
792
1,621
17,547
273
3,726
638
3,300
745
1,935
854
561
4,436
554
221,386
1,856
904
1,314
338
573
909
1,009
982
708
990
1,128
986
235
53,875
797
258
671
1,604
899
1,655
288
888
702
465
474
2,277
1,395
762
1,237
744
18,049
1.08
1.07
1.06
1.05
1.03
1.03
1.02
0.98
0.93
0.91
0.90
0.90
0.90
0.89
0.88
0.88
0.85
0.85
0.84
0.83
0.83
0.83
0.83
0.81
0.81
0.81
0.77
0.77
0.76
0.74
0.74
0.74
0.73
0.73
0.73
0.72
0.72
0.72
0.71
0.70
0.69
0.69
0.69
0.68
0.68
0.67
0.67
0.66
0.65
Rank the Banks
Georgia
17 of 40
98
98
101
102
102
102
102
102
102
108
109
109
109
109
113
113
113
116
116
118
119
120
121
121
123
124
124
124
127
127
127
130
130
130
133
134
134
134
134
138
138
138
138
142
143
143
143
143
147
Family Bank
PrimeSouth Bank
Peoples Bank
Bank of Edison
First Southern Bank
Bank of Terrell
Glennville Bank
WestSide Bank
Bank of Dade
Rochelle State Bank
Colony Bank
Guardian Bank
Monroe County Bank
Oconee State Bank
Southeastern Bank
Bank of Dawson
Farmers State Bank
Exchange Bank
F&M Bank
Morris Bank
Bank of Alapaha
Mount Vernon Bank
KeyWorth Bank
River City Bank
First State Bank
City
Total
Assets
($000)
Net
Income
($000)
Pelham
Blackshear
Conyers
Edison
Atlanta
Americus
Dalton
Patterson
Camilla
Abbeville
Dawson
Blakely
Glennville
Hiram
Trenton
Rochelle
Alamo
Fitzgerald
Valdosta
Forsyth
Watkinsville
Vidalia
Alma
Darien
Athens
Dawson
Dublin
Cuthbert
Milledgeville
Washington
Dublin
Alapaha
Albany
Talbotton
Vidalia
Sandersville
Johns Creek
Cleveland
Rome
Reynolds
Baxley
McRae
Calhoun
Quitman
Pearson
Bainbridge
Wrens
LaGrange
Lafayette
90,318
332,532
96,228
40,806
283,129
234,410
189,994
91,071
103,298
79,792
141,142
400,802
209,423
117,026
92,157
27,384
88,435
1,114,942
243,281
94,323
274,687
149,296
86,844
386,453
165,810
116,583
115,049
71,576
224,374
260,090
469,667
133,028
156,526
45,658
129,166
160,595
371,722
160,227
164,834
48,892
74,236
105,088
116,224
97,628
27,330
143,677
89,820
138,259
238,898
569
3,590
-1,213
283
-4,867
-1,005
1,852
-1,306
255
634
2,278
4,708
2,314
-19
1,334
180
981
5,856
4,280
256
1,184
1,474
-681
1,332
1,765
855
1,288
220
1,670
2,190
8,858
1,232
921
191
1,374
-1,091
2,493
675
3,947
176
448
800
165
735
-275
1,708
2,165
906
1,585
Gain on Sale
on Deposits /
Asset
Avg Assets (%)
(%)
0.51
0.34
0.74
0.41
0.54
0.34
0.26
0.35
0.29
0.37
0.38
0.28
0.41
0.56
0.28
0.46
0.48
0.41
0.11
0.51
0.22
0.49
0.51
0.49
0.27
0.41
0.30
0.31
0.45
0.38
0.27
0.37
0.14
0.25
0.38
0.36
0.04
0.17
0.08
0.36
0.33
0.23
0.32
0.20
0.35
0.22
0.52
0.13
0.25
0.00
0.00
0.00
0.00
0.00
0.00
0.26
0.00
0.00
0.00
0.06
0.00
0.00
0.00
0.00
0.00
0.00
0.03
0.36
0.00
0.00
0.00
0.10
0.00
0.00
-0.01
0.00
0.00
0.14
0.00
0.07
0.00
0.00
0.00
0.00
0.00
0.28
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Net
Servicing
Fees/ Avg
Assets
(%)
Net Gains
on OREO/
Avg Assets
(%)
Total
Noninterest
Income
($000)
NonInterest
Income/
Avg Assets
(%)
0.01
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.02
0.00
0.00
0.00
0.00
0.00
0.02
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.08
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
-0.04
-0.15
-0.73
-0.03
-0.31
0.00
-0.16
-0.21
-0.01
-0.01
-0.07
0.02
-0.10
0.02
0.08
0.00
0.03
-0.20
-0.02
0.01
-0.18
-0.21
-0.67
-0.31
0.00
0.00
0.00
0.00
-0.25
-0.03
-0.02
0.00
0.00
0.06
-0.14
-0.32
0.01
-0.03
-0.28
-0.14
0.00
-0.01
-0.23
0.02
-0.06
0.00
-0.24
0.00
-0.02
582
2,165
646
256
1,776
1,510
1,165
587
637
497
850
2,317
1,226
712
555
162
521
6,571
1,369
506
1,510
824
450
1,963
828
611
594
370
1,095
1,287
2,158
613
736
204
613
737
1,633
692
745
199
326
464
540
441
113
610
372
544
967
0.65
0.65
0.63
0.62
0.62
0.62
0.62
0.62
0.62
0.61
0.60
0.60
0.60
0.60
0.59
0.59
0.59
0.58
0.58
0.56
0.55
0.54
0.53
0.53
0.52
0.51
0.51
0.51
0.49
0.49
0.49
0.48
0.48
0.48
0.47
0.46
0.46
0.46
0.46
0.45
0.45
0.45
0.45
0.44
0.42
0.42
0.42
0.42
0.41
Rank the Banks
Georgia
18 of 40
147
147
147
147
152
153
154
155
156
157
157
157
160
161
162
163
163
165
165
167
167
167
170
170
172
173
173
175
176
177
178
178
180
181
181
181
181
185
185
185
185
189
189
191
192
192
194
194
196
Bank of Madison
Providence Bank
Newton Federal Bank
Four County Bank
Legacy State Bank
Farmers State Bank
Liberty First Bank
PeoplesSouth Bank
Heritage Bank
Rabun County Bank
Pineland State Bank
Metro Bank
First Landmark Bank
Resurgens Bank
Citizens Bank
South Georgia Bank
Piedmont Bank
Bank of Monticello
City
Total
Assets
($000)
Net
Income
($000)
Madison
Duluth
Alpharetta
Irwinton
Cochran
Donalsonville
Atlanta
Covington
Dalton
Sparta
Wrightsville
Lavonia
Allentown
Valdosta
Loganville
Marietta
Waycross
Lumpkin
Clarkesville
Statesboro
Bainbridge
Monroe
Brunswick
Cumming
Columbus
Colquitt
Cairo
Jonesboro
Summerville
Eatonton
Lakeland
Clayton
Metter
Cochran
Douglasville
Athens
Toccoa
LaGrange
Marietta
Atlanta
Vidalia
Cairo
Glennville
Woodbury
Cumming
Braselton
Norcross
Fayetteville
Monticello
195,272
401,726
121,781
46,213
207,493
101,942
1,206,636
221,093
161,047
84,729
52,751
404,679
59,529
164,144
69,449
122,381
201,182
45,918
100,893
159,666
103,398
113,385
146,238
234,100
120,269
474,254
179,422
374,786
64,857
195,739
553,491
158,732
56,389
74,810
211,296
367,173
153,048
89,613
206,467
120,621
229,079
43,878
124,654
22,865
148,874
168,303
384,729
68,699
96,501
1,579
3,134
462
427
3,815
848
5,988
2,500
1,026
929
-252
2,614
774
161
162
585
914
-48
848
-27
748
1,195
1,307
2,772
1,838
4,592
2,491
-243
227
1,023
-492
1,481
-289
1,023
1,132
3,313
-582
-1,825
1,467
1,147
816
-165
1,544
73
1,148
1,273
1,830
494
553
Gain on Sale
on Deposits /
Asset
Avg Assets (%)
(%)
0.24
0.08
0.03
0.24
0.37
0.39
0.09
0.06
0.20
0.19
0.32
0.33
0.34
0.16
0.10
0.07
0.16
0.72
0.14
0.52
0.23
0.23
0.18
0.13
0.12
0.27
0.20
0.31
0.19
0.20
0.26
0.18
0.65
0.17
0.04
0.07
0.22
0.47
0.06
0.03
0.07
0.25
0.51
0.25
0.03
0.06
0.03
0.06
0.26
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.05
0.09
0.03
0.00
0.00
0.00
0.00
0.00
0.06
0.02
0.00
0.00
0.00
0.08
0.00
0.00
0.13
0.02
0.00
0.00
0.00
0.26
0.10
0.21
0.00
0.01
0.00
0.00
0.00
0.00
0.00
0.00
0.02
0.08
0.00
Net
Servicing
Fees/ Avg
Assets
(%)
Net Gains
on OREO/
Avg Assets
(%)
Total
Noninterest
Income
($000)
NonInterest
Income/
Avg Assets
(%)
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.05
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.01
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.23
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.07
0.00
-0.01
0.20
-0.26
0.00
-0.14
-0.14
0.00
-0.08
-0.02
0.00
-0.24
-0.45
-0.10
-0.08
0.02
0.00
0.01
-0.67
0.00
-0.60
-0.06
0.00
-0.26
-0.02
0.03
-0.20
-0.06
-0.34
-0.01
-0.13
-0.33
-0.36
-0.59
-0.26
0.00
-0.25
-0.59
-1.16
0.00
0.00
0.00
-0.21
-0.47
-0.31
0.00
0.00
0.00
-0.17
-0.38
847
1,736
487
195
838
417
4,316
834
578
302
188
1,401
211
539
226
372
601
130
289
463
309
327
385
605
314
1,136
424
847
147
416
1,152
325
106
133
348
611
279
145
347
162
365
56
179
30
149
169
355
72
82
0.41
0.41
0.41
0.41
0.40
0.39
0.38
0.37
0.36
0.35
0.35
0.35
0.34
0.33
0.32
0.30
0.30
0.29
0.29
0.28
0.28
0.28
0.27
0.27
0.26
0.24
0.24
0.23
0.22
0.21
0.20
0.20
0.19
0.18
0.18
0.18
0.18
0.16
0.16
0.16
0.16
0.14
0.14
0.13
0.11
0.11
0.10
0.10
0.09
Rank the Banks
Georgia
19 of 40
197
198
199
200
201
202
203
204
205
206
207
208
209
210
211
212
213
Farmers Bank
Affinity Bank
Citizens Bank
Southern Bank
Citizens State Bank
Hamilton State Bank
City
Total
Assets
($000)
Net
Income
($000)
Gainesville
Gainesville
Greensboro
Atlanta
Barwick
Pembroke
Elberton
Sylvania
Atlanta
Nashville
Thomasville
Sardis
Kingsland
Smyrna
Hoschton
Atlanta
Macon
110,268
141,690
96,601
267,638
12,157
122,798
20,639
113,660
961,685
261,085
263,754
82,293
62,761
346,467
1,649,962
166,586
2,585,676
541
1,862
1,079
598
-37
315
-76
312
3,869
675
-1,490
361
-1,269
2,936
5,874
917
19,190
Gain on Sale
on Deposits /
Asset
Avg Assets (%)
(%)
0.05
0.12
0.13
0.03
0.18
0.20
0.00
0.22
0.05
0.27
0.08
0.27
0.35
0.11
0.25
0.01
0.20
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.14
0.00
0.04
0.00
0.00
0.00
0.01
0.02
0.03
Net
Servicing
Fees/ Avg
Assets
(%)
Net Gains
on OREO/
Avg Assets
(%)
Total
Noninterest
Income
($000)
NonInterest
Income/
Avg Assets
(%)
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.04
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
-0.29
-0.19
-0.11
-0.17
-0.30
0.00
-0.43
-0.21
-0.58
-0.37
-0.61
-0.66
-0.47
0.23
-0.73
0.03
82
93
50
81
2
16
0
-62
-933
-327
-501
-176
-134
-810
-5,498
-1,159
-52,900
0.08
0.07
0.05
0.03
0.02
0.01
0.00
-0.05
-0.11
-0.12
-0.19
-0.21
-0.22
-0.23
-0.34
-0.62
-2.07
Rank the Banks
Georgia
20 of 40
Georgia - Total Overhead
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
Farmers Bank
Affinity Bank
Vinings Bank
Liberty First Bank
Providence Bank
Bank of Alapaha
Guardian Bank
KeyWorth Bank
PeoplesSouth Bank
Citizens Bank
Piedmont Bank
Mount Vernon Bank
First Landmark Bank
Bank of Hazlehurst
Morris Bank
Four County Bank
Metro City Bank
City
Total
Assets
($000)
Vidalia
Greensboro
Athens
Atlanta
Atlanta
Duluth
Barwick
Cumming
Bainbridge
Smyrna
Pembroke
Athens
Blairsville
Monroe
Alpharetta
Augusta
Alapaha
Smyrna
Valdosta
Thomasville
Lafayette
Johns Creek
Colquitt
Bainbridge
Braselton
Blakely
Cumming
Summerville
Nashville
Norcross
Vidalia
McRae
Tifton
Quitman
Marietta
Eatonton
Donalsonville
Camilla
Cochran
Hazlehurst
Dublin
Allentown
Fitzgerald
Thomaston
Baxley
Doraville
Athens
Gainesville
229,079
96,601
165,810
267,638
1,206,636
401,726
12,157
148,874
103,398
245,082
122,798
367,173
7,331,344
113,385
121,781
1,777,705
133,028
346,467
243,281
593,258
238,898
371,722
474,254
143,677
168,303
400,802
234,100
64,857
261,085
384,729
129,166
105,088
438,021
97,628
206,467
195,739
101,942
103,298
207,493
112,748
469,667
59,529
125,076
117,306
74,236
581,075
457,979
110,268
Personnel
Occupancy
Efficiency
Number Expense/ Avg. Expense/ Avg.
Ratio (FTE)
Total
of
Assets
Assets
(%)
Employees Offices
(%)
(%)
76.19
68.37
45.54
89.20
73.66
83.72
139.47
67.47
72.98
50.23
66.43
56.72
58.63
61.93
95.46
55.23
60.46
62.28
52.33
49.09
68.04
65.93
58.87
59.02
62.22
53.68
61.74
84.34
77.02
65.92
69.25
64.89
57.30
64.97
69.92
73.96
72.19
85.26
56.10
64.25
50.46
60.49
61.27
54.29
65.42
41.40
73.67
84.96
32
17
21
25
105
50
3
16
19
23
26
42
1,463
17
13
352
36
66
33
93
58
46
129
33
28
92
45
19
70
50
30
22
121
21
30
51
27
19
57
31
84
14
29
35
15
84
111
16
2
2
3
1
1
3
1
2
1
1
2
2
101
1
1
12
4
4
3
3
3
4
20
2
2
7
4
3
4
3
3
1
8
1
1
2
2
1
4
2
4
1
2
3
1
7
7
1
1.05%
1.02%
1.01%
0.92%
1.55%
0.82%
1.21%
1.16%
1.04%
1.16%
0.94%
1.50%
1.21%
1.31%
1.07%
1.31%
1.29%
1.33%
1.00%
1.37%
1.49%
1.45%
1.37%
1.23%
1.45%
1.13%
1.32%
1.21%
1.09%
1.37%
1.44%
1.41%
1.55%
1.36%
1.49%
1.30%
1.38%
1.28%
1.36%
1.29%
1.45%
1.20%
1.38%
1.65%
1.42%
1.42%
1.49%
1.64%
0.20%
0.16%
0.25%
0.21%
0.18%
0.14%
0.29%
0.28%
0.35%
0.18%
0.29%
0.14%
0.32%
0.27%
0.17%
0.22%
0.32%
0.23%
0.26%
0.24%
0.29%
0.26%
0.31%
0.21%
0.29%
0.28%
0.27%
0.35%
0.18%
0.37%
0.35%
0.21%
0.27%
0.47%
0.31%
0.23%
0.36%
0.26%
0.23%
0.27%
0.31%
0.23%
0.23%
0.37%
0.22%
0.36%
0.34%
0.29%
Other
Expense/
Avg. Assets
(%)
Total
Overhead/
Avg. Assets
(%)
0.48%
0.87%
0.89%
1.06%
0.47%
1.24%
0.71%
0.78%
0.86%
0.91%
1.04%
0.64%
0.75%
0.71%
1.07%
0.78%
0.71%
0.77%
1.08%
0.78%
0.61%
0.68%
0.72%
0.96%
0.68%
1.01%
0.84%
0.88%
1.19%
0.75%
0.73%
0.92%
0.74%
0.72%
0.76%
1.03%
0.83%
1.03%
0.99%
1.02%
0.83%
1.16%
0.99%
0.58%
0.98%
0.85%
0.79%
0.72%
1.73%
2.05%
2.16%
2.19%
2.20%
2.20%
2.20%
2.22%
2.25%
2.25%
2.27%
2.27%
2.28%
2.29%
2.31%
2.32%
2.32%
2.32%
2.33%
2.39%
2.39%
2.39%
2.39%
2.41%
2.42%
2.43%
2.43%
2.44%
2.46%
2.49%
2.53%
2.54%
2.56%
2.56%
2.56%
2.57%
2.57%
2.57%
2.57%
2.58%
2.59%
2.59%
2.60%
2.61%
2.61%
2.63%
2.63%
2.65%
Rank the Banks
Georgia
21 of 40
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
Synovus Bank
F&M Bank
Farmers State Bank
Glennville Bank
Bank of Madison
Oconee State Bank
Bank of Dawson
Colony Bank
Bank of Terrell
Bank of Dade
Peoples Bank
Exchange Bank
Newton Federal Bank
Rochelle State Bank
Commercial Bank
Rabun County Bank
Bank of Monticello
Resurgens Bank
PrimeSouth Bank
Southeastern Bank
CharterBank
City
Total
Assets
($000)
Columbus
Pelham
Washington
Lincolnton
Albany
Brunswick
Columbus
Lakeland
Lavonia
Irwinton
Glennville
Thomasville
Suwanee
Jasper
Douglas
Cairo
Marietta
Madison
Watkinsville
Dawson
Fitzgerald
Cleveland
Gainesville
Waycross
Sparta
Dawson
Trenton
Buford
Willacoochee
Milledgeville
Pearson
Sylvania
Clarkesville
Douglas
Covington
Rochelle
LaGrange
Atlanta
Crawford
Clayton
Monticello
Dalton
Atlanta
Blackshear
Cuthbert
Sandersville
Darien
West Point
26,322,184
68,883
260,090
124,196
156,526
146,238
120,269
553,491
404,679
46,213
209,423
263,754
333,233
342,560
128,568
179,422
122,381
195,272
274,687
116,583
1,114,942
160,227
141,690
201,182
84,729
141,142
92,157
272,441
71,124
224,374
27,330
113,660
100,893
154,526
221,093
27,384
138,259
961,685
106,088
158,732
96,501
189,994
120,621
332,532
71,576
216,484
386,453
1,035,609
Personnel
Occupancy
Efficiency
Ratio (FTE)
Total
of
Assets
Assets
(%)
Employees Offices
(%)
(%)
64.17
67.15
65.34
60.58
64.84
79.94
64.80
75.47
78.67
65.05
56.78
85.90
52.01
58.91
61.74
54.42
71.21
65.47
77.69
67.06
70.37
74.66
80.94
77.71
62.90
61.04
67.35
72.43
70.30
73.87
101.30
78.46
69.85
53.24
65.57
81.88
73.64
73.83
60.37
85.53
75.01
67.27
70.72
66.59
86.27
67.94
84.67
76.19
4,399
18
63
31
27
33
27
118
100
10
53
41
45
52
28
30
24
50
74
25
314
29
25
37
25
31
33
54
25
78
7
30
20
30
60
6
30
138
26
46
22
44
21
82
22
60
122
282
273
2
6
2
1
3
1
6
12
1
6
1
2
2
1
1
2
4
4
1
29
3
1
3
1
3
3
1
2
4
1
3
1
1
3
1
3
9
3
3
1
4
1
4
2
3
13
17
1.38%
1.51%
1.56%
1.50%
1.53%
1.42%
1.53%
1.21%
1.24%
1.45%
1.28%
1.44%
1.57%
0.94%
1.36%
1.58%
1.39%
1.58%
1.58%
1.63%
1.50%
1.36%
1.20%
1.33%
1.60%
1.66%
1.75%
1.07%
1.76%
1.73%
1.46%
1.53%
1.36%
1.53%
1.57%
1.33%
1.51%
1.64%
1.64%
1.64%
1.39%
1.46%
2.07%
1.47%
1.58%
1.60%
1.70%
1.71%
0.40%
0.24%
0.24%
0.20%
0.24%
0.21%
0.25%
0.20%
0.40%
0.18%
0.43%
0.36%
0.20%
0.17%
0.24%
0.32%
0.28%
0.60%
0.34%
0.15%
0.35%
0.34%
0.25%
0.29%
0.32%
0.36%
0.29%
0.28%
0.25%
0.45%
0.18%
0.23%
0.59%
0.18%
0.61%
0.20%
0.48%
0.28%
0.28%
0.22%
0.33%
0.37%
0.39%
0.49%
0.33%
0.43%
0.47%
0.55%
Other
Expense/
Avg. Assets
(%)
Total
Overhead/
Avg. Assets
(%)
0.89%
0.92%
0.88%
0.97%
0.91%
1.06%
0.91%
1.28%
1.07%
1.08%
1.02%
0.94%
0.97%
1.64%
1.15%
0.86%
1.10%
0.60%
0.86%
1.02%
0.96%
1.12%
1.38%
1.22%
0.95%
0.85%
0.83%
1.53%
0.87%
0.71%
1.27%
1.18%
0.99%
1.24%
0.76%
1.49%
1.04%
1.11%
1.13%
1.19%
1.34%
1.23%
0.61%
1.11%
1.17%
1.06%
0.92%
0.85%
2.67%
2.67%
2.68%
2.68%
2.68%
2.68%
2.69%
2.70%
2.70%
2.72%
2.73%
2.73%
2.74%
2.75%
2.75%
2.76%
2.77%
2.78%
2.79%
2.79%
2.81%
2.82%
2.83%
2.83%
2.87%
2.87%
2.87%
2.88%
2.88%
2.89%
2.92%
2.93%
2.94%
2.94%
2.95%
3.01%
3.02%
3.03%
3.04%
3.05%
3.05%
3.06%
3.07%
3.08%
3.08%
3.09%
3.10%
3.11%
Rank the Banks
Georgia
22 of 40
97
98
99
100
101
102
103
104
105
106
107
108
109
110
111
112
113
114
115
116
117
118
119
120
121
122
123
124
125
126
127
128
129
130
131
132
133
134
135
136
137
138
139
140
141
142
143
144
Farmers State Bank
River City Bank
Metro Bank
SunTrust Bank
Bank of Georgia
United Bank
South Georgia Bank
Bank of Dudley
Pinnacle Bank
Monroe County Bank
Citizens Bank
First Chatham Bank
Heritage Bank
American Pride Bank
Citizens Trust Bank
Security State Bank
Bank of Edison
Hamilton State Bank
Spivey State Bank
WestSide Bank
Bank of Newington
Bank of Early
PlantersFirst
Bank of Camilla
City
Total
Assets
($000)
Swainsboro
Dublin
Dalton
Cartersville
Atlanta
Alma
Rome
Waynesboro
Fayetteville
Twin City
Milledgeville
Abbeville
Douglasville
Atlanta
Alpharetta
Hawkinsville
Peachtree City
Zebulon
Cochran
Glennville
Calhoun
Dublin
Elberton
Forsyth
Louisville
Cairo
Savannah
Jonesboro
Macon
Dallas
Valdosta
Wrightsville
Alamo
Atlanta
McRae
Macon
Edison
Atlanta
Doraville
Hoschton
Swainsboro
Eastman
Hiram
Newington
Blakely
Moultrie
Cordele
Camilla
149,132
115,049
161,047
155,443
166,586
327,108
164,834
112,895
68,699
157,364
219,581
79,792
211,296
178,360,920
146,493
204,040
325,869
1,024,619
74,810
124,654
116,224
184,196
599,731
94,323
819,346
43,878
379,395
374,786
113,252
68,724
216,779
52,751
88,435
406,413
42,055
2,585,676
40,806
205,436
271,014
1,649,962
91,622
130,216
117,026
80,222
94,406
374,851
275,350
95,090
Personnel
Occupancy
Efficiency
Ratio (FTE)
Total
of
Assets
Assets
(%)
Employees Offices
(%)
(%)
61.83
68.88
75.59
67.40
105.96
52.12
88.71
59.96
80.39
63.24
65.72
73.62
77.49
74.82
72.99
71.64
66.67
69.79
104.30
66.47
96.98
73.72
63.82
85.19
74.32
115.17
89.03
92.63
69.48
77.04
75.88
103.63
74.79
81.06
69.42
68.14
82.92
76.95
58.68
82.14
72.14
90.97
101.40
73.97
75.32
74.83
77.47
77.95
41
31
32
35
21
86
36
35
16
44
56
23
36
24,076
20
63
70
358
20
42
31
64
178
25
262
12
72
91
24
15
58
13
31
103
12
541
15
50
62
436
20
43
19
17
25
114
82
31
2
3
2
3
1
4
1
3
1
3
2
4
3
1,533
1
4
7
18
2
4
3
4
13
2
22
1
7
6
3
2
5
1
4
10
1
21
1
2
5
27
2
6
2
2
3
7
8
2
1.59%
1.90%
1.74%
1.48%
1.39%
1.28%
1.50%
1.51%
1.63%
1.78%
1.93%
1.91%
2.00%
1.42%
1.89%
2.01%
1.46%
1.96%
1.45%
1.82%
1.53%
1.99%
1.71%
1.54%
1.85%
1.72%
1.28%
1.62%
1.90%
1.27%
2.21%
1.64%
2.12%
1.69%
2.16%
2.20%
2.10%
2.34%
1.54%
1.83%
1.36%
1.68%
1.31%
1.86%
2.24%
2.23%
2.09%
1.83%
0.33%
0.26%
0.37%
0.35%
0.18%
0.35%
0.34%
0.44%
0.25%
0.36%
0.32%
0.36%
0.38%
0.30%
0.22%
0.27%
0.30%
0.49%
0.52%
0.35%
0.38%
0.42%
0.42%
0.51%
0.32%
0.42%
0.46%
0.49%
0.56%
0.56%
0.64%
0.32%
0.59%
0.53%
0.38%
0.35%
0.26%
0.22%
0.39%
0.43%
0.28%
0.57%
0.31%
0.57%
0.28%
0.50%
0.56%
0.36%
Other
Expense/
Avg. Assets
(%)
Total
Overhead/
Avg. Assets
(%)
1.19%
0.97%
1.03%
1.32%
1.60%
1.54%
1.34%
1.24%
1.31%
1.09%
0.99%
0.99%
0.88%
1.56%
1.18%
1.01%
1.55%
0.91%
1.40%
1.21%
1.48%
1.00%
1.27%
1.36%
1.25%
1.27%
1.69%
1.33%
0.98%
1.62%
0.61%
1.50%
0.77%
1.28%
0.97%
0.97%
1.16%
1.01%
1.68%
1.36%
1.98%
1.40%
2.05%
1.24%
1.17%
0.97%
1.05%
1.51%
3.11%
3.13%
3.15%
3.15%
3.17%
3.18%
3.18%
3.18%
3.19%
3.23%
3.24%
3.26%
3.26%
3.29%
3.29%
3.29%
3.31%
3.37%
3.37%
3.38%
3.39%
3.40%
3.40%
3.41%
3.42%
3.42%
3.43%
3.44%
3.44%
3.45%
3.46%
3.47%
3.49%
3.50%
3.51%
3.52%
3.52%
3.58%
3.62%
3.62%
3.62%
3.65%
3.67%
3.67%
3.70%
3.70%
3.70%
3.71%
Rank the Banks
Georgia
23 of 40
145
146
147
148
149
150
151
152
153
154
155
156
157
158
159
160
161
162
163
164
165
166
167
168
169
170
171
172
173
174
175
176
177
178
179
180
181
182
183
184
185
186
187
188
189
190
191
192
Pineland State Bank
NOA Bank
Southern Bank
Legacy State Bank
Farmers State Bank
Bank of Perry
Family Bank
Bank of Eastman
Farmers Bank
First State Bank
AB&T National Bank
Heritage Bank
Bank of Atlanta
Talbot State Bank
Peoples Bank
Claxton Bank
Bank of Soperton
Capital Bank
Heritage First Bank
Northside Bank
Ameris Bank
S Bank
Peoples Bank
City
Total
Assets
($000)
Reynolds
Metter
Vidalia
Greenville
Duluth
Statesboro
Atlanta
Sardis
Valdosta
Loganville
Trenton
Lumpkin
Perry
Hahira
Pelham
Toccoa
Bremen
Eastman
Baxley
Forsyth
Wrens
Elberton
Alma
Albany
Griffin
Hinesville
Atlanta
Chatsworth
Fayetteville
Sandersville
Eatonton
Woodbury
Claxton
Dawsonville
Augusta
Soperton
Fort Oglethorpe
Talbotton
Americus
Ringgold
Rome
Adairsville
Moultrie
Atlanta
Glennville
Albany
Conyers
Rome
48,892
56,389
149,296
27,555
175,217
159,666
283,129
82,293
164,144
69,449
92,334
45,918
117,985
129,818
90,318
153,048
88,364
193,469
79,936
63,668
89,820
20,639
86,844
128,183
233,770
550,889
195,262
124,088
70,509
160,595
133,630
22,865
109,877
83,123
518,604
36,711
114,025
45,658
234,410
337,558
93,417
138,047
3,524,038
229,858
98,159
1,482,901
96,228
127,942
Personnel
Occupancy
Efficiency
Ratio (FTE)
Total
of
Assets
Assets
(%)
Employees Offices
(%)
(%)
98.64
100.34
72.04
87.64
50.10
98.35
110.64
89.28
95.36
136.70
74.93
103.64
81.58
71.55
80.92
117.77
77.84
78.44
69.30
91.73
81.64
103.38
108.74
90.87
100.64
83.52
89.18
88.42
90.44
97.91
105.48
98.74
82.45
90.54
80.64
81.31
86.28
87.23
106.84
126.77
82.95
95.69
73.96
81.70
98.98
81.27
127.75
97.44
14
19
57
10
45
46
82
32
46
15
43
19
24
45
31
42
25
64
26
11
30
6
25
38
93
205
35
43
17
45
52
10
38
19
165
14
43
16
48
132
36
39
1,063
62
42
490
21
39
2
2
4
1
4
3
8
5
4
1
3
3
2
4
3
3
1
4
1
1
3
1
2
3
7
23
2
3
2
2
3
1
4
2
7
1
3
2
4
9
3
3
79
2
4
28
2
4
1.92%
1.87%
2.16%
1.76%
2.24%
1.57%
1.33%
1.98%
2.00%
1.79%
2.20%
1.87%
1.29%
2.46%
2.03%
1.62%
2.20%
1.00%
2.19%
1.07%
2.05%
2.40%
2.05%
2.37%
2.01%
1.74%
2.20%
1.99%
1.53%
1.94%
1.90%
2.21%
2.24%
1.48%
2.60%
1.95%
2.26%
2.39%
1.11%
2.03%
2.53%
1.96%
2.09%
2.29%
2.20%
2.59%
1.28%
2.00%
0.71%
0.34%
0.45%
0.54%
0.47%
0.38%
0.37%
0.50%
0.36%
0.28%
0.61%
0.63%
0.36%
0.39%
0.50%
0.47%
0.26%
0.36%
0.54%
0.37%
0.41%
0.61%
0.48%
0.47%
0.62%
0.81%
0.56%
0.54%
0.30%
0.54%
0.48%
0.60%
0.56%
0.60%
0.31%
0.67%
0.49%
0.39%
0.32%
0.46%
0.45%
0.48%
0.45%
0.40%
0.67%
0.58%
0.35%
0.69%
Other
Expense/
Avg. Assets
(%)
Total
Overhead/
Avg. Assets
(%)
1.07%
1.51%
1.13%
1.43%
1.03%
1.81%
2.06%
1.29%
1.43%
1.75%
1.01%
1.35%
2.22%
1.04%
1.36%
1.81%
1.44%
2.56%
1.21%
2.53%
1.58%
1.04%
1.52%
1.23%
1.46%
1.56%
1.38%
1.62%
2.32%
1.68%
1.78%
1.37%
1.40%
2.14%
1.34%
1.69%
1.58%
1.56%
2.94%
1.93%
1.47%
2.04%
1.96%
1.83%
1.65%
1.38%
2.93%
1.88%
3.71%
3.73%
3.73%
3.73%
3.74%
3.76%
3.76%
3.76%
3.80%
3.82%
3.82%
3.84%
3.87%
3.89%
3.89%
3.90%
3.91%
3.93%
3.93%
3.97%
4.03%
4.04%
4.05%
4.07%
4.10%
4.11%
4.13%
4.15%
4.15%
4.15%
4.16%
4.18%
4.20%
4.22%
4.24%
4.31%
4.33%
4.34%
4.37%
4.42%
4.46%
4.49%
4.50%
4.52%
4.52%
4.55%
4.56%
4.58%
Rank the Banks
Georgia
24 of 40
193
194
195
196
197
198
199
200
201
202
203
204
205
206
207
208
209
210
211
212
213
First Southern Bank
First Peoples Bank
First Bank of Pike
Peoples Bank
Citizens State Bank
First Covenant Bank
Fidelity Bank
CornerstoneBank
Trust Bank
Bank of Lumber City
Carver State Bank
BankSouth
City
Total
Assets
($000)
Patterson
Pine Mountain
Molena
Lyons
Kingsland
Commerce
Atlanta
Atlanta
LaGrange
Lawrenceville
Lawrenceville
Atlanta
Manchester
Sandy Springs
Atlanta
Lenox
Peachtree City
Lumber City
Savannah
Gainesville
Greensboro
91,071
70,143
41,948
55,275
62,761
159,847
233,232
3,056,495
89,613
1,822,276
68,111
2,733,526
77,636
93,539
271,891
32,510
546,503
19,783
41,191
89,886
370,051
Personnel
Occupancy
Efficiency
Ratio (FTE)
Total
of
Assets
Assets
(%)
Employees Offices
(%)
(%)
103.38
86.24
84.72
87.01
163.59
99.59
106.78
93.25
154.95
84.32
88.50
76.50
115.28
103.68
111.24
89.12
109.65
86.43
92.57
121.54
85.14
36
27
16
24
23
58
75
547
34
500
20
968
31
22
78
18
221
15
16
30
225
3
2
3
3
3
1
2
42
4
8
1
36
1
2
3
3
12
2
2
1
3
1.95%
2.41%
2.17%
2.58%
1.94%
2.08%
3.01%
1.55%
1.76%
2.83%
3.05%
3.14%
2.37%
1.89%
2.67%
2.78%
2.40%
3.48%
2.67%
3.85%
6.41%
0.79%
0.43%
0.68%
0.56%
0.99%
0.49%
0.36%
0.39%
0.70%
0.46%
0.68%
0.46%
0.73%
0.29%
0.68%
0.52%
0.57%
0.68%
0.77%
0.62%
0.83%
Other
Expense/
Avg. Assets
(%)
Total
Overhead/
Avg. Assets
(%)
1.84%
1.85%
1.85%
1.59%
1.80%
2.26%
1.57%
3.06%
2.57%
1.79%
1.41%
1.57%
2.07%
3.06%
2.07%
2.37%
2.75%
1.75%
2.53%
3.04%
3.30%
4.58%
4.69%
4.69%
4.72%
4.74%
4.83%
4.94%
5.00%
5.02%
5.08%
5.14%
5.16%
5.17%
5.23%
5.42%
5.67%
5.73%
5.91%
5.96%
7.51%
10.54%
Rank the Banks
Georgia
25 of 40
Georgia - Asset Quality
City
Adj 3089PD/
Adj 90+PD/
Gross Loans Gross Loans
Adj NPLs +
Adj
OREO/Gross
Loans
Net
Chargeoffs/
Asset
Avg Loans
Quality
(%)
Composite
Total
Assets
($000)
Gross
Loans
Loan Loss
Reserves/ Gross
Loans (%)
69,449
116,224
518,604
2,585,676
39,767
65,602
336,789
1,442,332
2.08
3.70
1.57
2.47
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.32
0.12
0.04
0.00
-2.73
-0.66
-0.40
-0.10
401,726
3,056,495
68,111
36,711
367,173
251,015
2,124,172
50,401
25,836
303,119
1.54
1.65
2.50
1.68
1.37
0.01
0.00
0.00
0.00
0.01
0.00
0.00
0.00
0.00
0.00
0.28
0.01
0.02
0.03
0.01
-0.37
-0.05
-0.04
-0.05
-0.02
110,268
74,082
1.27
0.00
0.00
0.00
0.00
12,157
27,555
113,252
120,621
2,548
10,796
71,781
88,778
1.77
1.08
1.10
1.97
0.00
0.00
0.02
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.03
0.00
0.00
0.00
-0.05
0.00
205,436
1,206,636
125,076
206,467
79,936
138,197
936,578
82,220
128,493
56,933
1.76
1.14
2.12
1.57
1.45
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.02
0.01
0.00
0.02
0.05
-0.02
0.00
0.01
0.00
-0.02
1
2
3
4
5
6
7
8
9
10
Legacy State Bank
Bank of Soperton
Loganville
Calhoun
Augusta
Macon
Duluth
Atlanta
Lawrenceville
Soperton
Athens
Gainesville
11
12
13
14
15
16
17
18
19
20
American Pride Bank
Resurgens Bank
First Landmark Bank
Barwick
Greenville
Macon
Atlanta
Atlanta
Atlanta
Fitzgerald
Marietta
Baxley
Braselton
168,303
113,223
1.43
0.00
0.00
0.01
0.02
21
22
23
24
25
26
27
28
29
30
Commercial Bank
Vinings Bank
Metro Bank
Peoples Bank
KeyWorth Bank
Security State Bank
Bank of Lumber City
Farmers State Bank
NOA Bank
Crawford
Smyrna
Douglasville
Willacoochee
Johns Creek
McRae
Lumber City
Chatsworth
Lincolnton
Duluth
106,088
245,082
211,296
71,124
70,185
100,848
137,876
32,793
3.60
2.07
1.19
0.70
0.00
0.00
0.00
0.02
0.00
0.00
0.00
0.00
0.04
0.05
0.04
0.01
-0.01
-0.02
0.00
0.01
371,722
42,055
19,783
124,088
124,196
220,256
20,440
10,788
67,932
55,248
1.65
2.65
2.25
2.80
2.17
0.00
0.01
0.00
0.00
0.05
0.00
0.00
0.00
0.00
0.01
0.00
0.02
0.04
0.11
0.04
0.03
0.00
0.00
-0.07
-0.05
175,217
128,412
1.26
0.00
0.00
0.01
0.04
31
32
33
34
35
36
37
38
39
40
Farmers State Bank
Bank of Edison
Heritage First Bank
First Covenant Bank
Cumming
Clarkesville
Dublin
Edison
Blakely
Irwinton
Rome
Thomaston
Commerce
Hahira
148,874
100,893
115,049
40,806
99,532
69,650
80,156
18,901
1.51
2.32
2.27
1.60
0.00
0.00
0.02
0.02
0.00
0.00
0.01
0.00
0.01
0.04
0.02
0.02
0.05
0.02
0.02
0.03
400,802
46,213
93,417
117,306
159,847
300,212
25,130
70,407
48,667
69,157
1.36
1.73
1.10
2.67
1.22
0.00
0.01
0.01
0.03
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.03
0.02
0.02
0.25
0.07
0.03
0.05
0.03
-0.17
129,818
87,286
1.15
0.00
0.00
0.02
0.07
41
42
43
44
45
46
47
48
49
Guardian Bank
Trust Bank
Hamilton State Bank
Twin City
McRae
Gainesville
Dalton
Valdosta
Lenox
Albany
Hoschton
Vidalia
157,364
105,088
89,886
161,047
99,653
37,121
36,722
94,443
3.13
2.98
0.62
1.93
0.02
0.02
0.00
0.01
0.01
0.01
0.02
0.00
0.04
0.05
0.04
0.05
0.03
0.02
0.04
0.04
243,281
32,510
1,482,901
1,649,962
229,079
193,992
21,033
972,287
884,876
70,916
1.98
1.82
0.97
0.87
0.71
0.00
0.01
0.00
0.01
0.08
0.00
0.00
0.00
0.02
0.00
0.01
0.07
0.02
0.04
0.03
0.10
0.04
0.10
0.07
0.02
-2.41
-0.53
-0.36
-0.09
-0.08
-0.03
-0.02
-0.02
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.01
0.02
0.02
0.03
0.03
0.03
0.03
0.04
0.04
0.04
0.04
0.04
0.04
0.05
0.05
0.06
0.07
0.07
0.07
0.07
0.08
0.08
0.08
0.09
0.09
0.09
0.10
0.10
0.10
0.11
0.12
0.12
0.13
0.13
Rank the Banks
Georgia
26 of 40
City
Total
Assets
($000)
Gross
Loans
Loan Loss
Reserves/ Gross
Loans (%)
Adj 3089PD/
Adj 90+PD/
Adj NPLs +
Adj
OREO/Gross
Loans
Net
Chargeoffs/
Asset
Avg Loans
Quality
(%)
Composite
50
Brunswick
146,238
110,963
2.20
0.00
0.00
0.04
0.09
0.13
51
52
53
54
55
56
57
58
59
60
Mount Vernon Bank
Piedmont Bank
Bank of Dudley
Cleveland
Vidalia
Tifton
Douglas
Thomasville
Moultrie
Hawkinsville
Norcross
Dublin
Pearson
160,227
129,166
438,021
128,568
87,218
62,381
208,633
80,005
1.62
1.58
1.64
1.17
0.00
0.01
0.02
0.00
0.00
0.00
0.00
0.00
0.09
0.04
0.04
0.04
0.04
0.09
0.07
0.10
593,258
374,851
204,040
384,729
184,196
505,996
227,174
134,543
296,072
124,017
2.04
1.38
2.44
1.04
1.41
0.00
0.01
0.01
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.01
0.01
0.04
0.04
0.04
0.14
0.14
0.10
0.12
0.12
27,330
9,739
3.18
0.00
0.00
0.18
0.00
0.13
0.13
0.14
0.14
0.15
0.15
0.15
0.16
0.17
0.18
61
62
63
64
65
66
67
68
69
70
Fidelity Bank
PeoplesSouth Bank
Peoples Bank
Woodbury
Talbotton
Norcross
Colquitt
Douglas
Athens
Abbeville
Trenton
Lyons
Summerville
22,865
45,658
2,733,526
474,254
14,607
27,866
2,308,331
321,149
2.93
1.45
1.25
1.56
0.12
0.04
0.00
0.01
0.05
0.01
0.00
0.00
0.07
0.03
0.03
0.04
-0.05
0.11
0.16
0.14
154,526
457,979
79,792
92,334
55,275
122,755
230,977
53,845
57,713
42,560
1.32
1.74
2.25
1.79
1.46
0.01
0.02
0.01
0.01
0.00
0.00
0.00
0.00
0.00
0.00
0.03
0.05
0.04
0.03
0.02
0.16
0.13
0.16
0.17
0.19
64,857
11,047
2.81
0.01
0.01
0.11
0.09
71
72
73
74
75
76
77
78
79
80
AB&T National Bank
Morris Bank
Monroe County Bank
Glennville Bank
Southern Bank
Farmers Bank
Family Bank
Albany
Dublin
Forsyth
Buford
Glennville
Sardis
Greensboro
LaGrange
Atlanta
Pelham
128,183
469,667
94,323
272,441
101,242
390,940
62,070
166,408
1.71
2.01
2.18
1.45
0.00
0.01
0.01
0.03
0.00
0.01
0.00
0.00
0.02
0.03
0.04
0.25
0.20
0.17
0.19
-0.05
209,423
82,293
96,601
89,613
233,232
122,952
52,352
32,312
52,867
164,957
2.25
1.58
3.53
1.13
0.45
0.02
0.04
0.01
0.02
0.00
0.00
0.00
0.00
0.00
0.00
0.04
0.10
0.12
0.21
0.06
0.18
0.11
0.12
0.02
0.20
90,318
66,835
1.03
0.05
0.00
0.03
0.18
81
82
83
84
85
86
87
88
89
90
First State Bank
South Georgia Bank
S Bank
Wrens
Lavonia
Reynolds
Bremen
Glennville
Waynesboro
Glennville
Columbus
Cumming
Bainbridge
89,820
404,679
48,892
88,364
57,810
201,544
21,635
71,985
1.41
1.97
3.28
1.72
0.01
0.01
0.02
0.00
0.00
0.00
0.00
0.00
0.05
0.07
0.07
0.05
0.20
0.18
0.18
0.23
124,654
112,895
98,159
120,269
234,100
81,365
59,052
54,782
92,834
153,000
2.26
1.44
2.34
2.11
1.77
0.03
0.01
0.05
0.01
0.00
0.00
0.00
0.00
0.00
0.00
0.06
0.01
0.05
0.02
0.06
0.20
0.28
0.21
0.28
0.27
143,677
93,324
2.21
0.00
0.00
0.03
0.30
91
92
93
94
95
96
97
Metro City Bank
BankSouth
Valdosta
Sandersville
Doraville
Greensboro
LaGrange
Albany
Milledgeville
216,779
160,595
581,075
370,051
154,654
97,220
452,385
289,769
1.83
0.86
1.48
1.68
0.00
0.01
0.00
0.01
0.00
0.00
0.00
0.00
0.05
0.06
0.05
0.03
0.29
0.27
0.29
0.30
138,259
156,526
219,581
95,222
137,488
145,523
1.29
1.26
1.43
0.00
0.00
0.01
0.00
0.00
0.00
0.03
0.02
0.05
0.31
0.32
0.29
0.19
0.19
0.19
0.20
0.20
0.20
0.21
0.21
0.21
0.22
0.22
0.23
0.23
0.24
0.24
0.25
0.25
0.26
0.26
0.26
0.27
0.27
0.27
0.28
0.29
0.30
0.31
0.32
0.33
0.33
0.34
0.34
0.34
0.34
0.34
0.35
0.35
Rank the Banks
Georgia
27 of 40
City
Total
Assets
($000)
Gross
Loans
Loan Loss
Reserves/ Gross
Loans (%)
Adj 3089PD/
Adj 90+PD/
Adj NPLs +
Adj
OREO/Gross
Loans
Net
Chargeoffs/
Asset
Avg Loans
Quality
(%)
Composite
98
99
100
Bank of Terrell
Waycross
Dawson
Atlanta
201,182
141,142
135,781
110,044
1.49
1.28
0.00
0.02
0.00
0.00
0.02
0.03
0.33
0.30
229,858
181,320
1.95
0.00
0.00
0.07
0.30
101
102
103
104
105
106
107
108
109
110
Talbot State Bank
First Chatham Bank
Ameris Bank
Oconee State Bank
Athens
Fayetteville
Fayetteville
Savannah
Lafayette
Donalsonville
Moultrie
Alpharetta
Watkinsville
Gainesville
165,810
68,699
70,509
379,395
133,728
51,617
42,434
248,211
4.62
2.00
1.25
1.57
0.00
0.01
0.15
0.00
0.00
0.00
0.00
0.00
0.01
0.09
0.10
0.20
0.36
0.28
0.13
0.20
238,898
101,942
3,524,038
146,493
274,687
90,585
48,292
2,598,228
97,981
129,642
2.14
1.48
0.86
1.55
1.28
0.03
0.05
0.01
0.00
0.01
0.00
0.00
0.00
0.00
0.00
0.06
0.06
0.05
0.05
0.05
0.31
0.30
0.35
0.36
0.36
141,690
92,584
2.65
0.00
0.00
0.11
0.31
111
112
113
114
115
116
117
118
119
120
SunTrust Bank
CharterBank
First Bank of Pike
Spivey State Bank
Atlanta
Blairsville
Rome
Atlanta
West Point
Peachtree City
Molena
Valdosta
Swainsboro
Cartersville
961,685
7,331,344
127,942
178,360,920
694,343
4,428,300
85,647
133,759,766
0.98
1.65
1.80
1.50
0.01
0.01
0.02
0.01
0.00
0.00
0.00
0.01
0.01
0.02
0.07
0.03
0.41
0.40
0.34
0.39
1,035,609
546,503
41,948
164,144
91,622
595,530
285,042
25,476
133,883
63,400
1.56
1.37
1.27
0.47
0.82
0.01
0.01
0.11
0.03
0.01
0.01
0.00
0.00
0.01
0.00
0.02
0.04
0.08
0.04
0.09
0.40
0.39
0.24
0.37
0.34
155,443
87,031
3.09
0.00
0.00
0.06
0.38
121
122
123
124
125
126
127
128
129
130
Bank of Dade
Affinity Bank
Citizens Trust Bank
Bank of Hazlehurst
Synovus Bank
Bainbridge
Trenton
Atlanta
Atlanta
Cuthbert
Sylvania
Dallas
Hazlehurst
Columbus
Pelham
103,398
92,157
267,638
406,413
51,918
39,469
196,058
187,510
2.37
1.05
1.60
1.58
0.01
0.05
0.00
0.04
0.00
0.00
0.01
0.00
0.05
0.02
0.11
0.10
0.39
0.40
0.35
0.33
71,576
113,660
68,724
112,748
26,322,184
30,608
53,405
45,019
63,937
20,547,064
1.22
1.41
1.15
2.82
1.35
0.02
0.04
0.02
0.01
0.00
0.00
0.00
0.00
0.00
0.00
0.01
0.06
0.17
0.10
0.04
0.44
0.39
0.30
0.39
0.47
68,883
23,671
1.51
0.02
0.00
0.06
0.44
131
132
133
134
135
136
137
138
139
140
Citizens Bank
Exchange Bank
River City Bank
Capital Bank
Providence Bank
Bank of Alapaha
Cairo
Milledgeville
Griffin
Alma
Sparta
Rome
Fort Oglethorpe
Cairo
Alpharetta
Alapaha
43,878
224,374
233,770
86,844
19,508
106,824
95,720
51,700
2.81
2.55
2.55
2.71
0.02
0.00
0.01
0.01
0.00
0.00
0.00
0.00
0.06
0.06
0.06
0.15
0.44
0.46
0.46
0.37
84,729
164,834
114,025
179,422
121,781
34,409
105,934
77,803
168,044
66,699
2.75
2.49
1.55
2.58
1.55
0.04
0.01
0.00
0.01
0.00
0.00
0.00
0.00
0.00
0.00
0.01
0.08
0.03
0.03
0.58
0.47
0.44
0.51
0.50
-0.03
133,028
86,748
1.33
0.02
0.00
0.01
0.53
141
142
143
144
145
United Bank
Heritage Bank
Newton Federal Bank
Marietta
Zebulon
Baxley
Jonesboro
Covington
122,381
1,024,619
74,236
374,786
81,264
498,994
40,470
263,548
2.06
2.31
2.14
1.47
0.00
0.01
0.04
0.02
0.00
0.00
0.01
0.00
0.04
0.03
0.09
0.20
0.54
0.55
0.46
0.39
221,093
184,395
2.99
0.01
0.00
0.05
0.54
0.35
0.35
0.37
0.37
0.38
0.38
0.40
0.40
0.40
0.41
0.41
0.42
0.43
0.43
0.43
0.43
0.43
0.44
0.44
0.44
0.44
0.44
0.44
0.46
0.46
0.46
0.47
0.47
0.49
0.49
0.49
0.51
0.51
0.52
0.53
0.53
0.53
0.53
0.53
0.54
0.55
0.55
0.56
0.58
0.59
0.60
0.61
0.61
Rank the Banks
Georgia
28 of 40
City
146
147
148
149
150
First Peoples Bank
Bank of Madison
Four County Bank
Pine Mountain
Madison
Swainsboro
Augusta
Allentown
151
152
153
154
155
156
157
158
159
160
Claxton Bank
Bank of Atlanta
Bank of Early
Peoples Bank
Citizens Bank
F&M Bank
Bank of Dawson
Bank of Newington
Vidalia
Claxton
Atlanta
Blakely
Louisville
Conyers
Nashville
Washington
Dawson
Newington
161
162
163
164
165
166
167
168
169
170
Colony Bank
Pineland State Bank
Fitzgerald
Metter
Atlanta
Elberton
Alamo
Americus
Dalton
Quitman
Manchester
Lawrenceville
171
172
173
174
175
176
177
178
179
180
Peoples Bank
Northside Bank
First Southern Bank
Liberty First Bank
PrimeSouth Bank
Citizens State Bank
Eatonton
Toccoa
Adairsville
Patterson
Atlanta
Sandy Springs
Monroe
Blackshear
Kingsland
Dawsonville
181
182
183
184
185
186
187
188
189
190
Bank of Monticello
Bank of Eastman
Rabun County Bank
PlantersFirst
Smyrna
Monticello
Lakeland
Eastman
Wrightsville
Suwanee
Clayton
Sandersville
Cordele
Jasper
191
192
193
Southeastern Bank
Heritage Bank
Cochran
Darien
Hinesville
Adj 3089PD/
Adj 90+PD/
Adj NPLs +
Adj
OREO/Gross
Loans
Net
Chargeoffs/
Asset
Avg Loans
Quality
(%)
Composite
Total
Assets
($000)
Gross
Loans
Loan Loss
Reserves/ Gross
Loans (%)
70,143
195,272
149,132
1,777,705
48,152
119,424
104,036
984,738
2.20
1.65
3.10
2.73
0.01
0.02
0.03
0.01
0.00
0.00
0.01
0.00
0.06
0.06
0.03
0.02
0.55
0.56
0.58
0.62
0.62
0.65
0.65
0.65
0.67
59,529
40,208
2.75
0.01
0.00
0.03
0.63
149,296
109,877
195,262
94,406
108,069
71,884
121,711
76,975
1.32
1.46
1.76
1.09
0.01
0.01
0.00
0.03
0.00
0.00
0.00
0.00
0.04
0.06
0.06
0.02
0.63
0.61
0.62
0.63
819,346
96,228
261,085
260,090
116,583
527,378
67,330
169,536
123,133
66,659
2.28
1.71
1.81
2.22
1.61
0.01
0.01
0.05
0.03
0.04
0.00
0.00
0.00
0.00
0.00
0.07
0.34
0.09
0.07
0.05
0.61
0.38
0.60
0.64
0.66
80,222
64,279
2.03
0.02
0.00
0.12
0.61
1,114,942
56,389
166,586
20,639
735,409
34,404
117,769
13,960
1.42
1.74
4.79
0.24
0.01
0.01
0.00
0.01
0.00
0.00
0.00
0.00
0.06
0.11
0.26
0.01
0.68
0.64
0.51
0.81
88,435
234,410
189,994
97,628
77,636
61,265
149,144
139,126
67,575
52,618
2.30
1.83
1.95
2.08
3.18
0.01
0.00
0.01
0.01
0.03
0.00
0.00
0.00
0.00
0.00
0.01
0.01
0.03
0.06
0.23
0.82
0.83
0.81
0.78
0.59
1,822,276
1,486,571
1.49
0.00
0.00
0.06
0.79
133,630
153,048
138,047
91,071
73,481
107,997
94,466
65,677
1.10
2.49
1.33
4.47
0.10
0.02
0.00
0.01
0.01
0.00
0.00
0.00
0.19
0.14
0.26
0.25
0.59
0.75
0.68
0.69
283,129
93,539
113,385
332,532
62,761
199,672
45,713
66,041
215,444
42,291
2.90
1.62
1.44
4.36
2.44
0.05
0.00
0.01
0.01
0.02
0.01
0.00
0.00
0.00
0.00
0.33
0.37
0.10
0.12
0.28
0.58
0.59
0.87
0.86
0.70
83,123
52,790
1.99
0.04
0.03
0.19
0.76
346,467
96,501
553,491
193,469
270,548
63,015
405,256
120,595
2.91
2.73
2.49
2.09
0.01
0.01
0.03
0.03
0.00
0.00
0.01
0.01
0.08
0.06
0.22
0.25
0.94
0.96
0.79
0.75
52,751
333,233
158,732
216,484
275,350
22,769
278,853
104,053
141,679
185,738
1.88
1.47
2.68
1.54
2.00
0.01
0.00
0.01
0.02
0.00
0.00
0.00
0.00
0.00
0.00
0.09
0.05
0.12
0.03
0.09
0.95
1.01
0.95
1.04
1.01
342,560
251,740
0.96
0.03
0.00
0.15
1.03
1.03
1.03
1.04
1.05
1.05
1.06
1.08
1.09
1.11
1.21
207,493
386,453
550,889
134,853
174,468
325,274
4.65
3.70
3.74
0.02
0.01
0.01
0.00
0.00
0.00
0.04
0.17
0.23
1.17
1.06
1.01
1.23
1.24
1.25
0.68
0.68
0.69
0.69
0.69
0.73
0.74
0.74
0.75
0.75
0.75
0.76
0.77
0.83
0.83
0.84
0.85
0.85
0.85
0.86
0.88
0.91
0.94
0.95
0.96
0.96
0.97
0.99
1.01
1.02
Rank the Banks
Georgia
29 of 40
City
Total
Assets
($000)
Gross
Loans
Loan Loss
Reserves/ Gross
Loans (%)
Adj 3089PD/
Adj 90+PD/
Adj NPLs +
Adj
OREO/Gross
Loans
Net
Chargeoffs/
Asset
Avg Loans
Quality
(%)
Composite
194
195
196
197
198
199
200
Pinnacle Bank
CornerstoneBank
Farmers Bank
Doraville
Eatonton
Elberton
Cochran
Atlanta
Forsyth
Ringgold
271,014
190,403
2.67
0.00
0.00
0.04
1.27
195,739
599,731
74,810
271,891
63,668
102,321
362,989
38,369
197,840
36,982
2.60
1.34
3.22
1.92
1.36
0.05
0.01
0.02
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.25
0.03
0.19
0.16
0.20
1.01
1.27
1.16
1.22
1.24
337,558
112,637
4.37
0.03
0.00
0.19
1.24
201
202
203
204
205
206
207
208
209
210
Bank of Perry
Carver State Bank
Rochelle State Bank
Farmers State Bank
WestSide Bank
Bank of Camilla
Perry
Savannah
Eastman
Rochelle
Thomasville
Statesboro
Lumpkin
Hiram
Pembroke
Camilla
117,985
41,191
130,216
27,384
92,307
25,258
60,342
7,995
1.24
0.88
2.49
1.45
0.01
0.01
0.04
0.00
0.00
0.00
0.00
0.00
0.19
0.12
0.12
0.06
1.29
1.39
1.42
1.53
263,754
159,666
45,918
117,026
122,798
208,448
96,773
15,784
71,195
37,858
2.04
2.47
2.07
1.51
3.21
0.02
0.00
0.04
0.00
0.02
0.00
0.00
0.01
0.00
0.00
0.08
0.19
0.06
0.40
0.16
1.66
1.59
1.66
1.39
1.83
95,090
43,259
2.07
0.01
0.00
0.16
2.11
1.49
1.52
1.59
1.59
1.76
1.78
1.78
1.79
2.00
2.28
211
212
213
Bank of Georgia
Camilla
Alma
Peachtree City
103,298
327,108
325,869
27,396
241,805
168,585
1.39
3.71
2.32
0.03
0.01
0.02
0.00
0.00
0.00
0.03
0.04
0.45
2.47
2.60
3.44
2.53
2.65
3.90
1.31
1.31
1.32
1.37
1.38
1.45
1.47
Rank the Banks
Georgia
30 of 40
Georgia - ROAE
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
37
39
40
41
42
43
44
First State Bank
Bank of Atlanta
NOA Bank
Heritage Bank
Morris Bank
Bank of Eastman
Metro City Bank
PrimeSouth Bank
River City Bank
Bank of Newington
Guardian Bank
South Georgia Bank
BankSouth
Commercial Bank
Bank of Terrell
Bank of Dade
Bank of Monticello
PlantersFirst
United Bank
First Covenant Bank
Bank of Soperton
Four County Bank
Spivey State Bank
Liberty First Bank
Mount Vernon Bank
Vinings Bank
Farmers State Bank
Glennville Bank
City
Total
Assets
($000)
LTM Net
Income ($000)/
Employee
LTM Net
Income
($000)
13Q2 LTM
Net Income
($000)
Wrens
Dallas
Jasper
Atlanta
Buford
Duluth
Duluth
Hinesville
Dublin
Eastman
Doraville
Blackshear
Rome
Douglas
Newington
Valdosta
Glennville
Greensboro
Gainesville
Crawford
Hahira
Smyrna
Dalton
Thomasville
Dawson
Trenton
Monticello
Douglas
Cordele
Zebulon
Commerce
Soperton
Allentown
Swainsboro
Twin City
Athens
Milledgeville
Columbus
Monroe
Vidalia
Smyrna
Lincolnton
Cochran
Glennville
89,820
68,724
342,560
195,262
272,441
175,217
401,726
550,889
469,667
193,469
581,075
332,532
164,834
154,526
80,222
243,281
124,654
370,051
141,690
106,088
129,818
346,467
189,994
593,258
141,142
92,157
96,501
128,568
275,350
1,024,619
159,847
36,711
59,529
91,622
157,364
165,810
219,581
120,269
113,385
129,166
245,082
124,196
207,493
209,423
73
52
125
182
70
120
53
20
112
27
137
49
115
119
55
131
45
27
76
60
41
59
47
82
70
40
33
78
32
42
29
27
59
59
59
92
46
60
77
47
142
55
58
47
2,176
776
6,502
6,363
3,776
5,415
2,630
4,087
9,426
1,751
11,511
4,055
4,136
3,567
928
4,333
1,882
6,082
1,895
1,568
1,851
3,881
2,073
7,666
2,160
1,305
716
2,196
2,592
15,035
1,661
380
827
1,188
2,611
1,923
2,602
1,608
1,315
1,400
3,257
1,702
3,282
2,513
422
-108
1,818
660
1,144
3,755
381
-4,261
7,506
-674
10,046
712
587
3,828
27
3,566
723
9,502
476
664
1,258
-438
-1,727
6,504
1,452
1,052
-1,921
2,156
2,280
15,510
2,123
-297
751
949
2,623
1,396
2,421
1,619
725
1,233
3,102
1,954
3,581
2,353
12Q2 LTM
Net Income ROAA ROAE
($000)
(%)
(%)
-1,125
-1,534
-3,260
-412
-343
1,791
-1,647
-15,508
5,908
-8,323
6,911
-3,588
-5,504
1,982
-1,509
3,403
-549
4,115
-1,215
182
1,068
231
-8
5,455
1,100
1,118
-458
1,897
814
10,842
-508
-738
402
1,312
2,804
1,054
752
732
900
808
3,680
819
908
1,758
2.43
1.19
1.91
3.39
1.35
3.45
0.63
0.69
2.13
0.90
2.21
1.21
2.55
2.40
1.20
1.84
1.49
1.69
1.38
1.53
1.44
1.11
1.11
1.35
1.52
1.38
0.77
1.71
0.94
1.48
1.02
1.08
1.35
1.31
1.65
1.20
1.17
1.35
1.14
1.06
1.41
1.37
1.56
1.22
37.23
31.02
28.34
27.76
27.29
26.80
22.30
20.76
20.72
18.73
18.69
18.59
18.19
18.11
17.86
17.27
16.26
16.17
15.69
15.64
15.60
15.35
15.07
15.06
14.77
14.37
14.27
14.12
14.09
13.71
13.51
13.14
13.04
12.57
12.55
12.20
12.11
12.11
11.89
11.88
11.84
11.57
11.39
11.34
Rank the Banks
Georgia
31 of 40
Georgia - ROAE
45
46
47
48
49
50
51
52
53
54
54
56
57
58
59
60
61
62
63
64
65
66
67
68
69
69
71
72
73
74
75
76
77
78
79
79
81
81
83
84
84
84
87
88
PeoplesSouth Bank
Legacy State Bank
Fidelity Bank
Farmers Bank
Pinnacle Bank
Security State Bank
Resurgens Bank
Farmers State Bank
Peoples Bank
Bank of Alapaha
AB&T National Bank
Claxton Bank
Bank of Hazlehurst
Ameris Bank
Heritage First Bank
Bank of Dudley
City
Total
Assets
($000)
LTM Net
Income ($000)/
Employee
LTM Net
Income
($000)
13Q2 LTM
Net Income
($000)
Augusta
Cairo
Athens
Colquitt
Dawsonville
Suwanee
Loganville
Tifton
Moultrie
Blakely
Cumming
Vidalia
Doraville
Swainsboro
Fitzgerald
Hawkinsville
Atlanta
Bainbridge
Griffin
Greensboro
Elberton
McRae
Brunswick
Atlanta
Dublin
Willacoochee
Cartersville
Lavonia
Alapaha
Alamo
Albany
Abbeville
Blairsville
Quitman
Claxton
Hazlehurst
Waynesboro
Baxley
Moultrie
Irwinton
Rome
Clarkesville
Dublin
Albany
1,777,705
179,422
367,173
474,254
83,123
333,233
69,449
438,021
374,851
400,802
234,100
149,296
271,014
149,132
125,076
204,040
2,733,526
143,677
233,770
96,601
599,731
42,055
146,238
120,621
115,049
71,124
155,443
404,679
133,028
88,435
128,183
79,792
7,331,344
97,628
109,877
112,748
112,895
79,936
3,524,038
46,213
93,417
100,893
184,196
1,482,901
49
86
85
40
6
82
25
43
28
53
49
26
59
37
52
35
27
49
10
61
35
44
41
60
42
27
47
30
33
33
24
27
48
42
20
32
39
28
26
44
23
44
24
17
17,080
2,581
3,561
5,224
118
3,707
376
5,156
3,164
4,899
2,184
1,485
3,675
1,505
1,510
2,226
26,379
1,605
899
1,043
6,223
532
1,345
1,265
1,304
679
1,635
2,966
1,189
1,032
929
622
69,606
889
759
990
1,370
724
27,686
436
823
873
1,513
8,439
16,111
2,063
2,867
3,297
-428
1,814
-1,873
3,590
2,268
4,136
2,180
1,399
1,440
1,342
1,069
1,578
30,808
1,660
-14
510
8,861
520
1,012
957
1,147
477
1,469
1,521
1,039
947
54
566
247,911
771
632
370
1,357
1,037
20,172
353
605
737
1,216
11,646
12Q2 LTM
($000)
(%)
(%)
13,367
1,293
1,356
4,346
-1,542
2,456
-3,154
3,797
1,448
3,259
1,520
296
559
828
734
957
19,756
1,721
-12,148
723
5,501
212
330
-160
396
612
2,420
-4,980
859
753
-724
472
27,289
357
632
-427
1,308
661
27,004
383
-715
500
764
5,954
1.00
1.47
1.04
1.10
0.13
1.11
0.54
1.29
0.84
1.28
0.98
0.98
1.34
1.01
1.21
1.08
1.03
1.11
0.38
1.01
1.07
1.32
0.93
1.27
1.13
1.00
1.04
0.74
0.93
1.17
0.73
0.77
0.95
0.88
0.70
0.91
1.22
0.93
0.87
0.91
0.85
0.87
0.82
0.61
11.33
11.16
11.09
10.97
10.95
10.85
10.78
10.75
10.55
10.54
10.54
10.52
10.51
10.49
10.26
10.20
10.14
9.85
9.76
9.66
9.61
9.48
9.24
8.83
8.70
8.70
8.65
8.63
8.54
8.42
8.39
8.18
8.14
8.11
7.84
7.84
7.73
7.73
7.71
7.67
7.67
7.67
7.57
7.52
Rank the Banks
Georgia
32 of 40
Georgia - ROAE
89
90
91
92
93
94
95
96
97
98
99
99
101
102
103
104
105
106
107
108
109
110
111
112
113
113
115
116
117
118
119
120
121
122
123
124
125
126
127
127
129
130
131
132
Rabun County Bank
Exchange Bank
Bank of Edison
Talbot State Bank
Newton Federal Bank
KeyWorth Bank
Affinity Bank
Bank of Early
Synovus Bank
Oconee State Bank
Family Bank
Bank of Madison
First Landmark Bank
First Chatham Bank
Colony Bank
SunTrust Bank
American Pride Bank
F&M Bank
City
Total
Assets
($000)
LTM Net
Income ($000)/
Employee
LTM Net
Income
($000)
13Q2 LTM
Net Income
($000)
Clayton
Milledgeville
Pelham
Albany
Edison
Fayetteville
Athens
Augusta
Covington
Macon
Alma
Johns Creek
Atlanta
Trenton
McRae
Blakely
Braselton
Baxley
Columbus
Louisville
Atlanta
Watkinsville
Bainbridge
Lafayette
Pelham
Madison
Dalton
Marietta
Savannah
Waycross
Fitzgerald
Fayetteville
Cumming
Atlanta
Atlanta
Donalsonville
Atlanta
Marietta
Thomaston
Macon
Valdosta
Washington
Sparta
Pembroke
158,732
224,374
68,883
156,526
40,806
70,509
457,979
518,604
221,093
2,585,676
327,108
371,722
267,638
92,334
105,088
94,406
168,303
74,236
26,322,184
819,346
205,436
274,687
103,398
238,898
90,318
195,272
161,047
206,467
379,395
201,182
1,114,942
68,699
148,874
229,858
178,360,920
101,942
166,586
122,381
117,306
113,252
216,779
260,090
84,729
122,798
24
22
40
35
18
17
33
25
42
49
36
58
29
15
41
28
46
32
48
20
27
20
39
29
17
33
28
48
15
28
22
32
67
19
49
29
44
29
40
56
26
37
38
24
1,111
1,720
727
950
269
294
3,625
4,195
2,527
26,722
3,101
2,687
728
645
907
707
1,300
487
211,522
5,275
1,347
1,468
738
1,666
528
1,670
907
1,434
1,070
1,025
6,910
510
1,067
1,195
1,191,075
782
923
689
1,394
1,351
1,483
2,301
943
621
-216
2,145
781
1,013
390
52
3,734
8,221
-4,066
6,411
4,691
2,686
-23
700
1,678
679
1,080
587
728,990
3,843
1,823
1,592
431
1,040
452
1,398
805
2,525
2,541
904
3,985
-35
1,027
962
1,217,415
853
-7,187
514
1,531
716
1,554
1,639
579
676
12Q2 LTM
($000)
(%)
(%)
-10,411
914
747
949
384
39
5,635
4,884
-8,298
43,004
2,575
3,005
-3,167
676
1,485
764
1,718
416
206,179
4,658
768
-742
1,452
1,834
376
1,057
991
1,442
-8,320
1,281
3,031
-1,139
844
2,145
935,094
764
-5,364
141
1,655
1,228
1,306
949
502
748
0.67
0.77
1.08
0.61
0.65
0.43
0.72
0.83
1.14
1.05
0.99
0.75
0.26
0.71
0.88
0.77
0.82
0.67
0.81
0.63
0.68
0.53
0.66
0.71
0.59
0.82
0.57
0.68
0.28
0.52
0.61
0.72
0.78
0.55
0.70
0.73
0.50
0.56
1.23
1.19
0.68
0.88
1.10
0.51
7.51
7.46
7.43
7.42
7.38
7.36
7.35
7.32
7.31
7.06
6.98
6.98
6.95
6.71
6.66
6.64
6.60
6.42
6.39
6.38
6.35
6.32
6.25
6.24
6.23
6.23
6.22
6.14
6.09
6.03
5.97
5.92
5.84
5.81
5.52
5.51
5.48
5.47
5.43
5.43
5.42
5.41
5.35
5.31
Rank the Banks
Georgia
33 of 40
Georgia - ROAE
133
133
135
136
137
138
139
140
141
142
143
144
145
146
147
147
149
150
151
152
153
154
155
155
157
158
159
160
161
162
163
164
165
166
167
168
169
170
171
172
173
173
175
176
Trust Bank
Piedmont Bank
Bank of Dawson
Metro Bank
Capital Bank
Bank of Perry
Southeastern Bank
Farmers Bank
Rochelle State Bank
Peoples Bank
Citizens Trust Bank
First Bank of Pike
First Peoples Bank
Monroe County Bank
CharterBank
Providence Bank
Hamilton State Bank
Citizens Bank
Bank of Camilla
City
Total
Assets
($000)
LTM Net
Income ($000)/
Employee
LTM Net
Income
($000)
13Q2 LTM
Net Income
($000)
Lenox
LaGrange
Talbotton
Norcross
Cleveland
Atlanta
Sandersville
Lawrenceville
Eatonton
Dawson
Douglasville
Cuthbert
Fort Oglethorpe
Perry
Darien
Atlanta
Forsyth
Rochelle
Lyons
Bremen
Atlanta
Molena
Lakeland
Pine Mountain
Summerville
Forsyth
West Point
Alpharetta
Lawrenceville
Greenville
Hoschton
Vidalia
Nashville
Chatsworth
Gainesville
Atlanta
Calhoun
Sylvania
Camilla
Cochran
Statesboro
Camilla
Alpharetta
Rome
32,510
138,259
45,658
384,729
160,227
961,685
216,484
68,111
195,739
116,583
211,296
71,576
114,025
117,985
386,453
1,206,636
63,668
27,384
55,275
88,364
406,413
41,948
553,491
70,143
64,857
94,323
1,035,609
121,781
1,822,276
27,555
1,649,962
229,079
261,085
124,088
110,268
3,056,495
116,224
113,660
103,298
74,810
159,666
95,090
146,493
127,942
9
26
14
44
26
35
18
19
21
34
31
11
11
15
13
55
19
26
9
36
18
11
5
16
13
11
25
28
12
13
15
25
11
6
30
17
9
10
12
8
4
9
25
6
153
778
224
2,224
755
4,853
1,057
386
1,068
857
1,132
248
490
356
1,551
5,777
212
158
222
902
1,875
180
566
431
238
282
7,179
359
5,959
132
6,395
800
754
253
482
9,079
280
308
222
169
175
287
503
221
287
923
122
-7,882
488
4,419
829
-306
-492
1,005
993
436
738
491
-2,251
6,993
96
174
119
-2,206
1,654
96
-1,413
507
192
-308
7,570
-135
-9,985
113
-1,159
691
791
-1,014
496
14,164
87
-24
450
728
-1,610
108
4,038
-1,437
12Q2 LTM
($000)
(%)
(%)
226
1,709
221
-4,194
277
5,029
886
-457
771
934
2,625
641
533
126
-6,241
2,509
348
269
-428
-2,125
527
93
-4,082
612
229
-1,100
4,107
-872
-24,998
182
20,760
1,079
-583
-5,186
253
10,136
-1,735
274
584
-306
98
935
944
-555
0.48
0.59
0.53
0.62
0.50
0.57
0.48
0.67
0.53
0.71
0.59
0.34
0.43
0.32
0.42
0.51
0.33
0.57
0.43
1.09
0.47
0.44
0.10
0.62
0.36
0.31
0.66
0.30
0.35
0.47
0.40
0.35
0.28
0.20
0.47
0.32
0.23
0.27
0.22
0.23
0.11
0.29
0.38
0.18
5.29
5.29
5.26
5.16
5.10
5.04
4.94
4.80
4.77
4.75
4.67
4.65
4.62
4.60
4.47
4.47
4.41
4.27
4.26
4.24
4.02
3.87
3.80
3.80
3.72
3.53
3.49
3.43
3.39
3.28
2.89
2.86
2.72
2.58
2.57
2.55
2.38
2.35
2.23
2.12
2.11
2.11
1.86
1.83
Rank the Banks
Georgia
34 of 40
Georgia - ROAE
177
178
179
180
181
182
183
184
185
186
187
188
189
190
191
192
193
194
195
196
197
198
199
200
201
202
203
204
205
206
207
208
209
210
211
212
213
Heritage Bank
S Bank
Southern Bank
Carver State Bank
Bank of Lumber City
Citizens Bank
Pineland State Bank
Peoples Bank
Northside Bank
WestSide Bank
Bank of Georgia
Farmers State Bank
First Southern Bank
Citizens State Bank
Peoples Bank
CornerstoneBank
City
Atlanta
Jonesboro
Glennville
Sandersville
Sardis
Valdosta
Savannah
Woodbury
Reynolds
Lumber City
Eastman
Elberton
Sandy Springs
Barwick
Cairo
Americus
Metter
Pearson
Alma
Eatonton
Adairsville
Peachtree City
Thomasville
Wrightsville
Hiram
Manchester
Toccoa
Peachtree City
Lumpkin
Gainesville
Patterson
Kingsland
Conyers
Atlanta
LaGrange
Atlanta
Ringgold
Total
Assets
($000)
LTM Net
Income ($000)/
Employee
LTM Net
Income
($000)
13Q2 LTM
Net Income
($000)
233,232
374,786
98,159
160,595
82,293
164,144
41,191
22,865
48,892
19,783
130,216
20,639
93,539
12,157
43,878
234,410
56,389
27,330
86,844
133,630
138,047
546,503
263,754
52,751
117,026
77,636
153,048
325,869
45,918
89,886
91,071
62,761
96,228
271,891
89,613
283,129
337,558
4
2
2
2
1
0
0
0
0
0
-1
-25
-10
-10
-16
-21
-13
-14
-17
-10
-12
-8
-65
-18
-34
-17
-22
-42
-15
-44
-35
-53
-50
-43
-47
-35
-31
319
185
88
92
40
17
2
-1
-5
-4
-44
-149
-209
-29
-194
-1,001
-249
-97
-416
-537
-454
-1,837
-2,666
-236
-647
-537
-929
-2,908
-293
-1,322
-1,268
-1,220
-1,049
-3,319
-1,587
-2,837
-4,031
4,019
1,155
197
-708
460
-45
67
-201
436
-411
-1,060
77
-165
-17
-1
2,479
151
-268
-348
-572
595
-708
-3,033
-160
-1,049
-2,475
-1,046
-273
404
97
-11
-966
-1,071
1,071
-1,088
-3,379
-9,312
12Q2 LTM
($000)
(%)
(%)
220
-1,616
-3,857
446
13
421
263
-105
201
-32
952
31
-2,829
57
-207
1,370
-410
-340
-218
-906
159
74
-3,178
-750
-958
-3,800
-6,615
-2,990
-675
894
-1,445
-1,504
-2,920
-14,251
-780
-2,689
-9,450
0.15
0.05
0.09
0.06
0.05
0.01
0.00
0.00
-0.01
-0.02
-0.03
-0.76
-0.19
-0.24
-0.48
-0.41
-0.44
-0.36
-0.49
-0.41
-0.34
-0.53
-0.99
-0.44
-0.55
-0.70
-0.59
-0.92
-0.66
-1.52
-1.35
-1.97
-1.03
-1.11
-1.78
-0.99
-1.10
1.24
1.06
0.82
0.67
0.49
0.06
0.05
-0.07
-0.09
-0.12
-0.63
-2.97
-3.04
-3.20
-4.18
-4.28
-4.67
-4.89
-5.26
-5.31
-6.52
-6.79
-6.96
-7.42
-11.36
-12.02
-14.10
-17.95
-19.24
-22.14
-25.45
-29.52
-34.83
-36.23
-36.81
-48.27
-63.20
Rank the Banks
Georgia
35 of 40
Georgia - Overall Ranking
City
Total
Assets
($000)
Net Interest Noninterest
Margin
Income
Ranking
Ranking
Total
Overhead
Ranking
Asset
Quality
Ranking
ROAE
Ranking
Overall
Ranking
1
2
3
4
4
6
7
8
9
10
Metro City Bank
NOA Bank
Commercial Bank
Morris Bank
Guardian Bank
Doraville
Douglas
Duluth
Thomasville
Crawford
Dublin
Valdosta
Hahira
Blakely
Athens
581,075
154,526
175,217
593,258
106,088
469,667
243,281
129,818
400,802
165,810
28
16
63
146
50
27
85
32
68
32
11
47
2
23
90
127
116
32
109
123
46
82
149
20
87
41
19
158
26
3
93
65
30
55
21
72
45
40
35
101
11
14
6
24
20
9
16
21
54
36
37.8
44.8
50.0
53.6
53.6
55.2
56.2
56.6
58.4
59.0
11
12
13
14
15
16
17
18
19
20
Vinings Bank
Bank of Soperton
Security State Bank
BankSouth
Smyrna
Twin City
Douglas
Athens
Baxley
Soperton
Tifton
Fitzgerald
McRae
Greensboro
245,082
157,364
128,568
367,173
79,936
36,711
438,021
125,076
42,055
370,051
140
50
96
70
25
21
133
140
29
16
85
69
76
181
33
82
53
73
88
1
10
106
63
12
163
180
33
43
131
213
22
41
54
9
19
8
53
17
26
94
41
35
28
47
81
32
52
59
66
18
59.6
60.2
63.4
63.8
64.2
64.6
64.8
66.4
68.0
68.4
21
22
23
24
25
26
27
28
29
29
First Covenant Bank
Glennville Bank
Bank of Terrell
Peoples Bank
Commerce
Glennville
Dawson
Albany
Willacoochee
Milledgeville
Thomaston
Hawkinsville
Waynesboro
Buford
159,847
209,423
141,142
1,482,901
71,124
219,581
117,306
204,040
112,895
272,441
42
64
45
8
102
56
60
52
52
172
40
109
109
28
90
68
97
93
52
48
198
59
74
190
77
107
44
112
104
76
39
75
99
47
24
97
38
57
86
74
31
44
25
88
69
37
127
60
81
5
70.0
70.2
70.4
72.2
72.4
73.0
73.2
74.8
75.0
75.0
31
32
32
34
35
36
37
38
39
40
American Pride Bank
Farmers State Bank
PeoplesSouth Bank
Farmers State Bank
Heritage First Bank
Duluth
Jasper
Macon
Lincolnton
Colquitt
Dublin
Dallas
Moultrie
Lawrenceville
Rome
401,726
342,560
113,252
124,196
474,254
115,049
68,724
374,851
68,111
93,417
211
73
18
172
75
60
68
114
26
29
147
50
95
85
173
124
66
28
18
63
6
62
125
52
23
98
126
142
203
185
5
190
13
29
64
33
127
56
7
37
7
3
127
42
48
69
2
53
140
84
75.2
75.6
75.6
76.0
76.6
76.8
77.8
78.6
78.8
79.6
41
42
43
44
PrimeSouth Bank
Resurgens Bank
First State Bank
Cartersville
Blackshear
Atlanta
Wrens
155,443
332,532
120,621
89,820
56
24
48
18
54
98
185
143
100
92
91
165
120
178
14
81
71
12
68
1
80.2
80.8
81.2
81.6
Rank the Banks
Georgia
36 of 40
City
Total
Assets
($000)
Margin
Income
Ranking
Ranking
Total
Overhead
Ranking
Asset
Quality
Ranking
ROAE
Ranking
Overall
Ranking
45
46
47
47
47
47
Spivey State Bank
South Georgia Bank
Ameris Bank
Swainsboro
Glennville
Suwanee
Atlanta
Moultrie
Irwinton
91,622
124,654
333,233
205,436
3,524,038
46,213
76
5
23
107
20
88
43
189
93
48
16
147
137
116
61
134
187
58
119
85
186
15
107
36
34
17
50
109
83
84
81.8
82.4
82.6
82.6
82.6
82.6
51
52
53
54
55
56
57
58
59
60
Bank of Newington
Bank of Dudley
Pinnacle Bank
Newington
Trenton
Swainsboro
Braselton
Columbus
Cairo
Cumming
Dublin
Elberton
Bainbridge
80,222
92,334
149,132
168,303
120,269
179,422
234,100
184,196
599,731
143,677
47
12
44
88
79
14
96
79
36
123
54
82
78
192
172
173
170
95
25
143
140
155
97
25
55
64
27
118
119
24
160
68
148
20
88
138
89
59
196
90
15
102
58
105
37
46
54
87
65
62
83.2
83.8
85.0
86.0
86.2
87.0
87.2
87.6
88.2
88.4
60
62
63
63
65
65
67
67
67
70
Mount Vernon Bank
United Bank
Bank of Lumber City
Bank of Dade
Vidalia
Augusta
Zebulon
Blairsville
Lumber City
Macon
Augusta
Clarkesville
Trenton
Alma
129,166
518,604
1,024,619
7,331,344
19,783
2,585,676
1,777,705
100,893
92,157
327,108
186
154
139
166
8
1
183
87
113
10
133
13
22
79
17
213
56
165
113
31
31
179
114
13
210
132
16
81
75
102
52
3
142
112
27
4
149
32
122
212
40
96
30
77
186
98
45
84
26
99
88.4
89.0
89.4
89.4
89.6
89.6
89.8
89.8
89.8
90.8
71
71
73
74
75
76
77
77
79
79
KeyWorth Bank
Fidelity Bank
Trust Bank
PlantersFirst
Bank of Alapaha
Johns Creek
Greenville
Abbeville
Norcross
Albany
Cochran
Dalton
Lenox
Cordele
Alapaha
371,722
27,555
79,792
2,733,526
156,526
207,493
189,994
32,510
275,350
133,028
178
79
104
133
94
42
86
2
70
111
134
57
108
3
130
152
102
79
40
130
22
148
108
204
53
39
90
208
143
17
25
12
67
63
96
191
167
46
189
140
99
162
76
61
92
43
23
133
29
73
91.6
91.6
92.6
92.8
93.0
93.4
93.6
93.6
94.2
94.2
79
82
83
83
85
86
87
88
Four County Bank
First Landmark Bank
Metro Bank
McRae
Atlanta
Allentown
Athens
Marietta
Vidalia
Atlanta
Douglasville
105,088
3,056,495
59,529
457,979
206,467
149,296
229,858
211,296
156
4
94
207
127
13
22
38
138
98
160
64
185
120
60
181
32
200
42
47
35
147
188
109
42
6
150
66
18
151
100
23
103
168
33
95
116
56
122
143
94.2
95.2
95.8
95.8
96.2
97.4
98.4
98.8
Rank the Banks
Georgia
37 of 40
City
Total
Assets
($000)
Margin
Income
Ranking
Ranking
Total
Overhead
Ranking
Asset
Quality
Ranking
ROAE
Ranking
Overall
Ranking
40,806
90,318
133
45
102
98
133
159
34
80
93
113
99.0
99.0
89
89
Bank of Edison
Family Bank
Edison
Pelham
91
91
93
94
95
96
97
97
97
100
Peoples Bank
Piedmont Bank
Synovus Bank
Bank of Hazlehurst
AB&T National Bank
Bank of Early
Lyons
Norcross
Dawsonville
Cleveland
Smyrna
Columbus
Hazlehurst
Albany
Blakely
Bremen
55,275
384,729
83,123
160,227
346,467
26,322,184
112,748
128,183
94,406
88,364
55
79
56
114
76
157
181
107
35
54
26
194
38
134
210
66
82
89
76
60
196
30
178
70
18
49
40
168
141
161
69
58
180
51
181
129
128
71
154
84
151
136
49
137
22
107
79
75
104
152
99.4
99.4
100.2
101.2
101.4
101.6
102.0
102.0
102.0
102.2
101
102
103
103
103
106
107
108
108
108
Bank of Atlanta
Claxton Bank
Bank of Eastman
Alamo
Pelham
Atlanta
Atlanta
Claxton
Cumming
Dalton
LaGrange
Brunswick
Eastman
88,435
68,883
195,262
1,206,636
109,877
148,874
161,047
138,259
146,238
193,469
40
161
170
203
48
178
117
76
191
161
113
90
27
154
69
192
156
143
170
15
129
50
171
5
177
8
99
85
54
162
165
130
153
16
152
31
44
95
50
184
74
91
4
147
79
121
115
133
67
10
104.2
104.4
105.0
105.0
105.0
106.0
106.2
106.4
106.4
106.4
108
112
113
113
115
116
117
118
119
120
Talbot State Bank
First Bank of Pike
Farmers Bank
River City Bank
Exchange Bank
Lavonia
Gainesville
Doraville
Fayetteville
Molena
Greensboro
Talbotton
Alpharetta
Rome
Milledgeville
404,679
141,690
271,014
70,509
41,948
96,601
45,658
146,493
164,834
224,374
164
137
146
98
3
197
31
110
159
119
157
198
5
69
69
199
130
37
134
127
57
71
135
173
195
2
182
111
103
78
82
110
194
103
117
77
62
108
136
132
72
19
57
94
154
64
135
175
13
90
106.4
107.0
107.4
107.4
107.6
107.8
108.0
108.2
109.0
109.2
121
122
123
124
125
126
126
128
129
130
Liberty First Bank
Capital Bank
SunTrust Bank
Newton Federal Bank
Bank of Monticello
Monroe
Fort Oglethorpe
Louisville
Atlanta
Valdosta
Chatsworth
Covington
Quitman
Baxley
Monticello
113,385
114,025
819,346
178,360,920
216,779
124,088
221,093
97,628
74,236
96,501
150
40
119
188
167
150
79
140
131
70
167
45
51
20
42
43
155
142
138
196
14
181
121
110
127
172
83
34
45
89
177
137
155
114
91
28
145
168
143
182
39
145
108
123
129
166
97
78
106
27
109.4
109.6
110.8
111.0
111.2
111.8
111.8
112.4
112.6
112.8
131
132
Hamilton State Bank
First Peoples Bank
Hoschton
Pine Mountain
1,649,962
70,143
7
15
211
59
136
194
48
146
163
155
113.0
113.8
Rank the Banks
Georgia
38 of 40
City
Total
Assets
($000)
Margin
Income
Ranking
Ranking
Total
Overhead
Ranking
Asset
Quality
Ranking
ROAE
Ranking
Overall
Ranking
132
134
135
136
137
138
139
140
Legacy State Bank
Bank of Madison
Heritage Bank
CharterBank
First Chatham Bank
Oconee State Bank
F&M Bank
Loganville
Madison
Hinesville
West Point
Atlanta
Savannah
Watkinsville
Washington
69,449
195,272
550,889
1,035,609
961,685
379,395
274,687
260,090
201
98
191
172
38
206
177
117
162
147
10
35
205
30
119
127
154
66
170
96
86
123
67
51
1
147
193
115
111
104
109
158
51
113
8
159
138
117
110
130
113.8
114.2
114.4
115.4
115.6
116.0
116.4
116.6
141
141
141
144
145
146
147
147
149
150
Bank of Dawson
Colony Bank
Sandersville
Dawson
Lafayette
Marietta
Rome
Fitzgerald
Fayetteville
Gainesville
Calhoun
Griffin
216,484
116,583
238,898
122,381
127,942
1,114,942
68,699
110,268
116,224
233,770
79
92
200
91
37
128
73
172
169
189
85
124
147
163
73
116
194
197
138
45
94
68
21
65
192
69
105
48
117
169
188
159
105
141
113
161
102
10
2
133
139
142
112
126
176
119
120
167
169
63
117.0
117.0
117.0
117.2
118.2
118.6
118.8
118.8
119.0
119.8
151
152
153
154
155
156
157
158
159
159
Citizens Trust Bank
Monroe County Bank
Carver State Bank
Donalsonville
Atlanta
Bainbridge
Forsyth
Vidalia
Waycross
Savannah
Gainesville
Barwick
Peachtree City
101,942
406,413
103,398
94,323
229,079
201,182
41,191
89,886
12,157
546,503
184
140
198
140
212
161
6
152
213
64
153
58
167
118
185
163
14
4
201
35
37
130
9
120
1
72
211
212
7
209
106
124
121
73
49
98
202
43
11
116
124
153
111
158
164
118
183
206
190
198
120.8
121.0
121.2
121.8
122.2
122.4
123.2
123.4
124.4
124.4
161
162
163
164
165
166
167
168
169
170
S Bank
Southern Bank
Bank of Perry
Affinity Bank
Providence Bank
Glennville
Sardis
Sparta
Perry
Atlanta
Summerville
Woodbury
Alpharetta
Atlanta
Lawrenceville
98,159
82,293
84,729
117,985
267,638
64,857
22,865
121,781
233,232
1,822,276
136
10
137
60
210
208
34
196
194
125
34
208
157
73
200
176
191
147
11
7
189
152
73
157
4
28
176
15
199
202
87
76
135
201
123
70
61
139
79
170
179
181
131
146
101
157
184
160
177
161
125.0
125.4
126.6
127.4
127.6
127.8
129.2
131.4
132.0
133.0
171
171
173
174
174
176
Northside Bank
Citizens Bank
Adairsville
Cuthbert
Nashville
Sandersville
Sylvania
Pearson
138,047
71,576
261,085
160,595
113,660
27,330
92
186
119
100
100
205
24
124
206
134
204
143
186
93
29
174
80
79
173
125
157
92
126
60
197
144
165
180
170
194
134.4
134.4
135.2
136.0
136.0
136.2
Rank the Banks
Georgia
39 of 40
City
Total
Assets
($000)
Margin
Income
Ranking
Ranking
Total
Overhead
Ranking
Asset
Quality
Ranking
ROAE
Ranking
Overall
Ranking
176
178
178
180
Rabun County Bank
Farmers Bank
Lakeland
Clayton
Reynolds
Forsyth
553,491
158,732
48,892
63,668
109
140
131
114
178
178
138
64
56
88
145
164
183
187
83
199
155
89
185
149
136.2
136.4
136.4
138.0
181
182
182
184
185
186
186
188
189
190
Bank of Camilla
Southeastern Bank
Bank of Georgia
Heritage Bank
Camilla
Sandy Springs
Atlanta
Valdosta
Darien
Peachtree City
Eatonton
Jonesboro
Camilla
Pembroke
95,090
93,539
166,586
164,144
386,453
325,869
195,739
374,786
103,298
122,798
146
126
102
90
160
178
168
105
209
181
20
6
212
161
121
9
177
175
102
202
144
206
101
153
95
113
36
124
38
11
210
176
163
118
192
213
195
144
211
209
173
189
125
182
147
204
141
178
171
132
138.6
140.6
140.6
140.8
143.0
143.4
143.4
145.2
146.2
147.0
191
192
193
194
195
196
197
198
198
198
Rochelle State Bank
First Southern Bank
Peoples Bank
WestSide Bank
Rochelle
Patterson
Statesboro
Eatonton
Manchester
Eastman
Alma
Hiram
Elberton
LaGrange
27,384
91,071
159,666
133,630
77,636
130,216
86,844
117,026
20,639
89,613
189
67
66
185
171
164
158
123
59
105
113
102
167
38
19
79
121
109
203
185
84
193
150
175
205
138
167
139
166
201
204
174
206
171
169
203
134
208
164
78
150
207
173
196
202
187
195
201
188
211
148.0
148.6
152.4
153.0
153.2
154.2
155.0
156.0
156.0
156.0
201
202
203
204
205
206
206
208
209
210
Pineland State Bank
CornerstoneBank
Peoples Bank
Citizens Bank
Farmers State Bank
Americus
Metter
Thomasville
Atlanta
Wrightsville
Conyers
Atlanta
Cairo
Lumpkin
Cochran
234,410
56,389
263,754
271,891
52,751
96,228
283,129
43,878
45,918
74,810
146
119
130
198
154
176
193
202
111
194
102
180
207
8
157
101
102
189
165
181
183
146
60
207
128
191
151
122
156
115
166
162
205
198
185
156
175
131
207
197
192
193
199
210
200
209
212
191
205
172
157.8
160.0
160.2
164.2
164.8
166.6
166.6
167.0
168.8
171.8
211
212
213
Citizens State Bank
Ringgold
Toccoa
Kingsland
337,558
153,048
62,761
204
152
128
60
181
209
184
160
197
200
172
179
213
203
208
172.2
173.6
184.2
Rank the Banks
Georgia
40 of 40

Rank the Banks – Georgia 2Q14

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