☰

Home›
Banks›
South Georgia Banking Company

iAdvertiser Disclosure

South Georgia Banking Company Rates & Review April 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, South Georgia Banking Company provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: April 26, 2026

You can compare South Georgia Banking Company rates to other rates in our database, including 12-month CD rates currently at 3.00%, 6-month CD rates at 0.20% and 3-month CD rates at 1.51%. Savings rates are at 0.40% and money market rates are at 1.00%. Mortgage rates on 30-year fixed loans are around 6.13%. All these rates can be compared to South Georgia Banking Company rates. MonitorBankRates evaluates the financial stability of South Georgia Banking Company with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.53%. Rates were last updated on 04/26/2026.

South Georgia Banking Company money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at South Georgia Banking Company? Share your experience about South Georgia Banking Company by leaving a review below, or read customer reviews before you decide to use South Georgia Banking Company.

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.53%

Excellent Lower than avg

South Georgia Banking Company

5515 Alabama Ave
Omega, GA 31775

https://www.sgbconline.com

Current Rate Availability

We do not have South Georgia Banking Company rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for South Georgia Banking Company is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather South Georgia Banking Company rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with South Georgia Banking Company's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name South Georgia Banking Company

Bank Holding Company SOUTH GEORGIA BANK HOLDING CO

Address 5515 Alabama Ave, Omega, GA 31775 · Tift

Website https://www.sgbconline.com

FDIC Certificate # 20198

Established 06/14/1937

FDIC Insurance Date 06/11/1970

Domestic Offices 8

Total Branches 8

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 100/100

5.0

Exceptional Out of 5.0 Stars

0.53%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 2.0798%

Return on Equity (ROE) 20.0900%

Non-Performing Loans (NPL) 0.06%

Total Assets $606,016,000

Total Deposits $528,837,000

Equity Capital $74,986,000

Net Income $6,497,000

Headquarters Omega

Total Offices 8

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

There are no reviews for South Georgia Banking Company yet. Feel free to create one below.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for South Georgia Banking Company

Frequently Asked Questions About South Georgia Banking Company

Is South Georgia Banking Company a safe place to deposit money?

Yes, South Georgia Banking Company is considered a safe financial institution. With a Texas Ratio of 0.53406576638437%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

How many branches does South Georgia Banking Company operate?

South Georgia Banking Company currently maintains approximately 8 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, South Georgia Banking Company does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, South Georgia Banking Company provides members with tools to manage their accounts and build a solid financial history.

Does South Georgia Banking Company offer online and mobile banking?

Most modern institutions like South Georgia Banking Company provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.sgbconline.com.