Call reports 2026
SOUTH GEORGIA BANKING COMPANY — 2026
What SOUTH GEORGIA BANKING COMPANY reported to the FFIEC in 2026, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Total assets | 589,788,000 | 570,107,000 |
| Total loans | 382,902,000 | 398,934,000 |
| Allowance for loan losses | 4,449,000 | 4,478,000 |
| Securities available for sale | 93,820,000 | 91,897,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 510,479,000 | 487,585,000 |
| Interest-bearing deposits | 322,712,000 | 312,238,000 |
| Noninterest-bearing deposits | 187,767,000 | 175,347,000 |
| Equity capital | 76,747,000 | 79,474,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Interest income | 7,660,000 | 15,581,000 |
| Interest expense | 901,000 | 1,822,000 |
| Net interest income | 6,759,000 | 13,759,000 |
| Noninterest income | 1,192,000 | 2,392,000 |
| Noninterest expense | 4,961,000 | 9,893,000 |
| Provision for loan losses | 75,000 | 150,000 |
| Pretax income | 2,915,000 | 6,108,000 |
| Income tax | 628,000 | 1,322,000 |
| Net income | 2,287,000 | 4,786,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 76,651,000 | 79,150,000 |
| Total capital | 81,315,000 | 83,843,000 |
| Risk-weighted assets | 436,634,000 | 442,355,000 |