SOUTH GEORGIA BANK HOLDING CO is the bank holding company. SOUTH GEORGIA BANKING COMPANY is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the holding company level.

Bank Holding Company

SOUTH GEORGIA BANK HOLDING CO

Legal name: SOUTH GEORGIA BANK HOLDING COMPANY

1 active bank · $590M combined assets

RSSD ID: 2764977 (FFIEC NIC)

Combined Assets

$590M

CRA Rating Summary

Satisfactory1charter

Across all 10 exams on record for this holding company's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankSOUTH GEORGIA BANKING COMPANYOMEGA, GASatisfactory$590MView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$590M

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$510M

Net Income

$2M

ROA (avg)

1.53%

asset-weighted avg

Mortgage Lending (HMDA)

CFPB · 2024Lender rankings →

Aggregated HMDA data across all active charters for 2024.

Applications

166

Origination Rate

85.54%

Denial Rate

6.63%

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
SOUTH GEORGIA BANKING COMPANY	OMEGA, GA	FDIC	$590M	100.0%	Satisfactory	Feb 2024

CRA (Community Reinvestment Act) exams are conducted per charter, not per holding company. Asset figures are from the most recent FDIC call report.