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*Peer group averages may be inaccurate, as some banks have not reported metrics for the latest quarter

Jack Henry Lending's Quarterly Bank State Performance Review

*Some data may be incomplete, as some banks have not finished reporting for the latest quarter.

Georgia Quarterly Bank Performance Reviewas of 03/31/2022

151Number of FDIC-Insured banks in the state.
from last quarter.
91.4%Percentage of banks that earned a profit.
20,169Number of Full-Time employees at state-chartered banks.
from last quarter.
68Number of banks that saw decline in non-performing loans.
from last quarter.
$172.16 billionTotal Assets for the banks in the state.
from last quarter.
3.93%Rate of loan growth for the state.
Loan Portfolios - All banks in Millions
Loan Growth - Average %
Deposits - All banks in Millions
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Deposit Growth - Average %
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Income Performance - Average in Millions
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Asset Quality Performance - Average %
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Top Banks by Metrics
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Bank Name Total Assets ROAA NII/Avg. Assets L/D Ratio NPLs/Avg. Assets Net Loss/LLs Efficiency Ratio
Community Bank And Trust - West Georgia $85,409,000.00 3.29% 2.5% 34.14% 1.24% 0.0% 109.57%
First Ic Bank $996,527,000.00 2.51% 3.79% 77.88% 0.03% -0.04% 43.35%
Metro City Bank $3,146,101,000.00 2.5% 4.03% 104.58% 0.37% 0.06% 30.71%
Promiseone Bank $584,632,000.00 2.48% 3.97% 79.02% 0.58% 0.0% 45.17%
Fnb South $544,484,000.00 2.46% 3.97% 69.05% 0.98% -2.6% 39.58%
First Century Bank, National Association $390,533,000.00 2.37% 6.48% 10.11% 0.22% 5.4% 28.37%
Quantum National Bank $679,507,000.00 2.32% 4.3% 88.73% 0.0% 0.0% 47.82%
The Commercial Bank $405,190,000.00 2.09% 3.43% 62.8% 0.85% 0.01% 45.97%
Douglas National Bank $261,448,000.00 2.05% 3.54% 63.26% 0.39% -0.01% 53.53%
Cibc National Trust Company $325,893,000.00 13.24% 0.02% 0.0% 0.0% 0.0% 49.92%
Bank Of Dade $145,125,000.00 1.96% 3.63% 47.69% 0.82% 0.12% 49.6%
Bank Of Newington $181,571,000.00 1.87% 5.91% 84.49% 0.0% 0.0% 54.97%
South Georgia Bank $212,458,000.00 1.84% 3.97% 56.51% 0.0% 0.0% 53.65%
Morris Bank $1,437,184,000.00 1.72% 4.1% 74.91% 0.34% -0.01% 54.73%
Altamaha Bank & Trust Company $264,072,000.00 1.72% 4.0% 69.56% 0.34% 0.05% 58.65%
Thomasville National Bank $1,499,580,000.00 1.63% 3.17% 84.88% 0.09% 0.0% 48.51%
The Peoples Bank Of Georgia $149,231,000.00 1.59% 4.99% 79.53% 0.82% 0.18% 61.51%
American Commerce Bank, National Association $430,395,000.00 1.57% 4.58% 95.06% 0.45% -0.06% 50.88%
Durden Banking Company, Incorporated $265,137,000.00 1.57% 3.51% 56.23% 0.2% 0.0% 61.74%
Ameris Bank $23,459,828,000.00 1.51% 3.18% 85.28% 0.6% 0.09% 53.13%
United Bank $2,367,631,000.00 1.49% 2.15% 32.79% 0.77% -0.01% 58.3%
Bank Of Monticello $167,754,000.00 1.48% 3.5% 53.19% 0.74% -0.05% 58.79%
Bank Of Dawson $151,154,000.00 1.47% 3.31% 60.11% 1.58% 0.02% 55.87%
Touchmark National Bank $365,390,000.00 1.45% 3.33% 87.23% 1.96% 0.16% 48.06%
The Four County Bank $86,036,000.00 1.44% 4.07% 74.27% 0.19% 0.04% 60.09%
Community Banking Company Of Fitzgerald $255,207,000.00 1.42% 3.05% 57.0% 0.53% 0.03% 50.81%
State Bank Of Cochran $261,139,000.00 1.41% 3.44% 56.97% 1.87% -0.27% 61.43%
Guardian Bank $544,772,000.00 1.38% 3.16% 62.17% 1.65% 0.0% 55.77%
Flint Community Bank $296,215,000.00 1.37% 3.57% 93.44% 1.51% 0.0% 63.52%
Georgia First Bank $135,674,000.00 1.37% 4.66% 87.04% 0.11% 0.01% 67.32%
First State Bank $326,898,000.00 1.37% 4.62% 69.52% 0.26% 0.02% 53.89%
Glennville Bank $372,170,000.00 1.32% 3.41% 51.5% 0.67% 0.01% 55.11%
South Coast Bank & Trust $202,998,000.00 1.31% 3.69% 80.81% 0.0% 0.0% 62.25%
Legacy State Bank $148,009,000.00 1.3% 3.37% 74.55% 0.0% 0.0% 61.63%
Community Bank Of Pickens County $543,762,000.00 1.27% 3.49% 63.7% 0.71% -0.01% 52.25%
Peoplessouth Bank $1,035,674,000.00 1.27% 3.53% 63.49% 0.42% -0.01% 55.03%
The Citizens Bank Of Cochran $132,882,000.00 1.25% 4.38% 82.39% 0.02% 0.03% 62.23%
Synovus Bank $56,326,177,000.00 1.21% 2.92% 82.46% 0.32% 0.19% 52.95%
Greater Community Bank $333,833,000.00 1.2% 3.5% 67.08% 0.15% -0.03% 71.52%
The First National Bank Of Waynesboro $202,680,000.00 1.2% 3.35% 56.37% 0.18% 0.02% 56.94%
Sunmark Community Bank $414,583,000.00 1.19% 3.43% 66.48% 0.15% -0.04% 64.42%
Primesouth Bank $1,114,380,000.00 1.17% 3.56% 76.96% 0.38% -0.08% 58.82%
Farmers State Bank $177,280,000.00 1.16% 3.71% 50.17% 0.33% -0.06% 71.19%
Community Bank Of Georgia $187,717,000.00 1.15% 3.86% 57.34% 1.84% -0.02% 49.87%
Planters First Bank $380,425,000.00 1.12% 3.33% 71.07% 0.35% -0.02% 72.81%
The Citizens Bank Of Swainsboro $304,459,000.00 1.11% 4.02% 74.53% 0.16% 0.08% 63.16%
The Piedmont Bank $1,807,276,000.00 1.08% 3.47% 75.34% 0.08% 0.0% 56.22%
Southeastern Bank $644,609,000.00 1.07% 2.81% 48.8% 0.17% -0.02% 59.51%
American Pride Bank $236,935,000.00 1.04% 3.87% 84.47% 0.01% 0.0% 74.24%
West Central Georgia Bank $150,065,000.00 1.03% 2.85% 40.83% 0.0% -0.02% 60.55%
First Bank $609,696,000.00 1.02% 3.53% 62.69% 1.02% 0.02% 47.56%
Bank Of Madison $397,005,000.00 1.02% 3.24% 59.85% 0.11% 0.0% 61.95%
Pinnacle Bank $2,058,158,000.00 1.02% 3.17% 64.94% 0.15% 0.06% 64.07%
Family Bank $146,021,000.00 1.02% 4.24% 76.02% 1.46% 0.0% 67.84%
Waycross Bank & Trust $231,451,000.00 1.0% 2.78% 46.57% 0.32% 0.0% 64.69%
F&M Bank $359,287,000.00 1.0% 3.68% 58.67% 0.45% -0.19% 62.47%
Farmers State Bank $158,464,000.00 1.0% 3.44% 66.48% 0.22% 0.01% 69.41%
Banksouth $1,265,770,000.00 1.0% 3.42% 73.94% 0.51% -0.05% 84.35%
Affinity Bank $759,980,000.00 0.99% 3.87% 93.27% 1.05% 0.01% 68.02%
Heritage Southeast Bank $1,695,380,000.00 0.98% 3.19% 72.66% 0.17% -0.06% 69.55%
Exchange Bank $367,481,000.00 0.97% 3.06% 50.81% 0.23% 0.01% 64.45%
Northeast Georgia Bank $627,030,000.00 0.96% 2.51% 43.84% 0.39% 0.0% 65.36%
Citizens Bank & Trust, Inc. $136,760,000.00 0.92% 3.53% 52.09% 0.24% -0.01% 69.02%
Mount Vernon Bank $157,077,000.00 0.92% 3.25% 48.39% 0.02% 0.0% 72.06%
Century Bank And Trust $387,548,000.00 0.91% 2.65% 46.65% 0.01% 0.0% 62.17%
Citizens Bank Of Americus $432,753,000.00 0.9% 2.78% 50.91% 0.15% -0.02% 61.12%
First State Bank Of Blakely $609,295,000.00 0.9% 3.25% 69.75% 0.51% 0.04% 63.96%
First American Bank And Trust Company $921,320,000.00 0.89% 2.4% 55.07% 0.24% 0.0% 63.35%
Wilcox County State Bank $149,282,000.00 0.89% 3.83% 72.1% 0.42% 0.0% 68.66%
United National Bank $286,445,000.00 0.88% 3.66% 78.27% 2.16% 0.0% 66.22%
The Citizens Bank Of Georgia $504,359,000.00 0.88% 2.72% 51.62% 0.0% 0.0% 58.89%
Bank Of Dudley $326,506,000.00 0.87% 3.08% 61.02% 0.27% 0.0% 69.81%
First National Community Bank $616,105,000.00 0.87% 3.28% 63.84% 0.37% 0.03% 66.67%
Farmers & Merchants Bank $634,964,000.00 0.86% 3.77% 67.55% 2.21% 0.5% 69.05%
Commercial Banking Company $333,974,000.00 0.86% 2.86% 57.71% 0.4% 0.0% 69.09%
Loyal Trust Bank $139,374,000.00 0.85% 2.74% 51.35% 0.0% 0.0% 81.62%
United Community Bank $24,314,004,000.00 0.85% 2.83% 66.8% 0.29% 0.08% 55.33%
Queensborough National Bank & Trust Company $2,021,107,000.00 0.85% 2.83% 52.49% 1.37% 0.01% 71.31%
The Claxton Bank $150,724,000.00 0.85% 3.71% 60.5% 0.05% 0.0% 78.49%
Century Bank Of Georgia $340,169,000.00 0.84% 2.48% 34.96% 0.02% 0.0% 60.15%
Colony Bank $2,682,488,000.00 0.84% 3.03% 57.23% 0.45% 0.01% 75.92%
Georgia Primary Bank $287,899,000.00 0.81% 3.72% 72.69% 0.0% 0.0% 72.45%
Georgia Community Bank $410,513,000.00 0.81% 3.26% 57.59% 0.99% 0.0% 73.09%
The Security State Bank $58,797,000.00 0.79% 3.71% 53.53% 0.0% -0.06% 78.38%
North Georgia National Bank $198,378,000.00 0.77% 3.33% 53.84% 0.0% -0.01% 68.55%
Farmers & Merchants Bank $245,674,000.00 0.75% 2.46% 39.76% 1.14% -0.02% 65.19%
River City Bank $233,010,000.00 0.74% 3.44% 72.94% 0.23% 0.0% 75.66%
First Chatham Bank $600,341,000.00 0.73% 2.73% 53.17% 0.81% -0.01% 77.34%
Great Oaks Bank $298,445,000.00 0.73% 3.55% 58.22% 0.1% 0.09% 74.17%
Bank Of Wrightsville $78,406,000.00 0.73% 3.23% 48.92% 0.22% 0.0% 72.88%
Rbc Bank, (Georgia) National Association $6,146,175,000.00 0.72% 1.57% 37.66% 0.37% 0.09% 54.96%
Tc Federal Bank $397,826,000.00 0.72% 3.41% 82.84% 0.11% -0.04% 75.42%
Rabun County Bank $259,629,000.00 0.71% 2.66% 60.04% 0.16% 0.0% 71.81%
Farmers And Merchants Bank $152,324,000.00 0.71% 2.46% 30.37% 0.96% -0.06% 65.8%
Peoples Bank & Trust $471,860,000.00 0.7% 2.98% 31.19% 0.08% -0.08% 68.05%
Ab&T $261,137,000.00 0.69% 2.82% 69.41% 2.02% -0.01% 69.35%
Peach State Bank & Trust $569,418,000.00 0.68% 2.98% 61.69% 0.0% 0.0% 67.2%
Wheeler County State Bank $130,243,000.00 0.68% 3.07% 63.01% 0.37% -0.03% 78.06%
First Port City Bank $415,889,000.00 0.67% 3.54% 74.81% 0.01% 0.0% 66.78%
Pineland Bank $405,087,000.00 0.66% 3.69% 72.97% 1.16% -0.1% 77.59%
The Bank Of Lafayette, Georgia $392,891,000.00 0.65% 2.66% 30.78% 1.26% 0.0% 66.46%
Citizens Bank Of The South $350,147,000.00 0.64% 3.39% 63.07% 0.41% -0.02% 75.31%
Peoples Bank $161,996,000.00 0.63% 2.93% 57.92% 0.05% 0.0% 72.81%
South Georgia Banking Company $630,146,000.00 0.62% 2.7% 50.48% 0.13% -0.01% 75.25%
Citizens Community Bank $192,533,000.00 0.6% 3.11% 50.26% 0.45% 0.06% 79.41%
First Bank Of Pike $74,746,000.00 0.59% 4.28% 60.39% 0.62% 0.19% 83.57%
Southeast First National Bank $69,036,000.00 0.59% 2.09% 21.55% 0.15% 0.0% 73.57%
First Peoples Bank $251,970,000.00 0.57% 3.42% 64.39% 0.29% -0.02% 71.34%
Bank Of Alapaha $243,696,000.00 0.57% 2.83% 48.32% 0.26% -0.01% 72.02%
The Citizens National Bank Of Quitman $145,142,000.00 0.57% 3.11% 50.31% 0.08% 0.0% 77.17%
The Farmers Bank $138,802,000.00 0.57% 2.89% 49.44% 0.0% 0.0% 73.3%
Classic City Bank $215,665,000.00 0.56% 2.42% 46.02% 0.0% 0.0% 76.72%
The Trust Bank $50,958,000.00 0.56% 3.74% 44.18% 3.34% 0.02% 87.85%
First Bank Of Coastal Georgia $159,328,000.00 0.52% 2.44% 18.43% 0.0% 0.0% 73.91%
Vinings Bank $646,326,000.00 0.51% 2.94% 38.12% 0.0% 0.0% 56.38%
Oconee State Bank $556,279,000.00 0.51% 2.79% 55.98% 1.89% -0.01% 80.23%
Bank Of Camilla $140,357,000.00 0.5% 2.92% 55.93% 1.01% -0.01% 79.67%
First Federal Savings And Loan Association Of Valdosta $204,717,000.00 0.48% 3.74% 95.54% 0.52% 0.0% 82.67%
The Merchants & Citizens Bank $132,488,000.00 0.47% 2.61% 28.99% 0.11% -0.08% 80.37%
First National Bank Of Coffee County $432,650,000.00 0.46% 2.36% 42.9% 0.0% 0.0% 83.24%
Citizens Trust Bank $680,998,000.00 0.46% 2.4% 50.68% 0.42% 0.04% 79.14%
Magnolia State Bank $211,902,000.00 0.46% 2.78% 48.0% 1.38% -0.27% 85.48%
Bank Of Hancock County $87,842,000.00 0.46% 3.13% 27.07% 0.33% -0.12% 84.06%
Signature Bank Of Georgia $200,037,000.00 0.44% 3.11% 61.5% 0.41% 0.0% 86.53%
Tandem Bank $151,368,000.00 0.4% 2.92% 59.68% 0.0% 0.0% 85.83%
Planters And Citizens Bank $134,198,000.00 0.39% 2.79% 41.24% 1.02% -0.02% 80.97%
The Peoples Bank $118,283,000.00 0.38% 2.33% 33.08% 0.4% 0.0% 83.5%
Onesouth Bank $162,288,000.00 0.36% 3.81% 89.39% 0.71% -0.03% 87.51%
First National Bank Of Decatur County $308,083,000.00 0.31% 2.81% 51.82% 0.82% 0.15% 83.56%
First State Bank Of Randolph County $97,935,000.00 0.25% 2.53% 29.47% 5.23% 0.0% 89.79%
F & M Bank And Trust Company $85,120,000.00 0.2% 2.82% 49.87% 1.15% -0.02% 93.53%
Persons Banking Company $429,718,000.00 0.17% 2.5% 42.82% 0.06% -0.05% 94.09%
Southern Bank $164,120,000.00 0.15% 4.04% 77.42% 0.3% 0.0% 85.44%
Embassy National Bank $120,405,000.00 0.13% 3.96% 72.78% 0.0% 0.0% 96.51%
The Peoples Bank $217,200,000.00 0.11% 3.1% 59.63% 0.05% 0.0% 95.75%
First National Bank Of Griffin $395,293,000.00 0.1% 2.06% 28.57% 0.18% 0.01% 94.98%
First Southern Bank $320,515,000.00 0.04% 2.59% 43.23% 0.15% -0.2% 101.54%
The Geo. D. Warthen Bank $267,794,000.00 0.02% 2.84% 42.06% 1.46% 0.03% 99.01%
Bank Of Hazlehurst $134,380,000.00 -2.27% 2.41% 40.81% 6.41% 12.84% 83.98%
Rochelle State Bank $48,947,000.00 -1.7% 2.25% 50.56% 2.15% 0.11% 161.9%
Barwick Banking Company $209,530,000.00 -0.82% 3.5% 97.54% 0.0% 0.0% 99.62%
Craft Bank $103,878,000.00 -0.69% 4.3% 91.18% 0.0% 0.0% 107.41%
Talbot State Bank $59,540,000.00 -0.68% 4.52% 62.82% 2.12% 0.0% 121.11%
Elberton Federal Savings And Loan Association $28,968,000.00 -0.54% 3.24% 101.44% 0.66% 0.0% 119.69%
The Bank Of Edison $73,289,000.00 -0.4% 3.09% 39.57% 0.32% -0.12% 110.89%
Bank Of Lumber City $25,624,000.00 -0.32% 3.87% 56.06% 0.23% -0.3% 105.86%
Wilkinson County Bank $55,836,000.00 -0.25% 2.72% 40.11% 0.36% 0.0% 111.22%
Vidalia Federal Savings Bank $220,958,000.00 -0.24% 1.95% 33.11% 0.71% 0.0% 113.72%
Georgia Banking Company $1,203,461,000.00 -0.21% 3.41% 91.93% 0.32% 0.0% 100.86%
Carver State Bank $63,974,000.00 -0.11% 2.99% 56.23% 2.33% 0.01% 103.63%
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