Georgia bank rankings, Q2 2026
122 FDIC-insured banks are headquartered in Georgia, holding $102.90B in combined assets as of Q2 2026. The median bank has $334M in assets, earns a 1.56% return on assets, and runs a 59.37% efficiency ratio.
Highest return on assets among community banks
- Durden Banking Company, Incorporated Twin City 3.60%
- Douglas National Bank Douglas 3.51%
- Bank of Monticello Monticello 3.21%
- The Commercial Bank Crawford 3.14%
- Sunmark Community Bank Perry 2.77%
- Bank of Dade Trenton 2.72%
- Farmers State Bank Lincolnton 2.67%
- FNB SOUTH Alma 2.64%
- Northeast Georgia Bank Lavonia 2.59%
- United Bank Zebulon 2.50%
Most efficient community banks (lowest efficiency ratio)
- Community Bank of Pickens County Jasper 38.12%
- Thomasville National Bank Thomasville 38.27%
- The Citizens Bank of Georgia Cumming 38.70%
- Classic City Bank Athens 39.80%
- Farmers and Merchants Bank Sylvania 40.01%
- The Commercial Bank Crawford 41.24%
- Douglas National Bank Douglas 41.71%
- Northeast Georgia Bank Lavonia 42.39%
- Bank of Monticello Monticello 42.42%
- Community Bank of Georgia Baxley 43.87%
Top-ten lists include FDIC-designated community banks with at least $100M in assets; trust companies and specialty subsidiaries appear in the full table only.
Every Georgia bank
| Bank | Assets | ROA | Efficiency | NIM |
|---|---|---|---|---|
| Ameris Bank Atlanta | $28.42B | 1.23% | 59.99% | 3.94% |
| RBC Bank, (Georgia) National Association Atlanta | $9.59B | 2.47% | 27.22% | 4.04% |
| Metro City Bank Doraville | $4.47B | 1.94% | 40.33% | 4.08% |
| Vallant Bank Elberton | $3.99B | 1.33% | 68.41% | 4.97% |
| Colony Bank Fitzgerald | $3.61B | 1.08% | 63.89% | 3.57% |
| Georgia Banking Company Atlanta | $3.26B | 1.05% | 64.03% | 4.21% |
| Queensborough National Bank & Trust Company Louisville | $2.28B | 1.09% | 65.12% | 3.91% |
| Thomasville National Bank Thomasville | $2.18B | 2.40% | 38.27% | 4.12% |
| United Bank Zebulon | $2.16B | 2.50% | 46.27% | 4.95% |
| PrimeSouth Bank Blackshear | $1.60B | 1.92% | 45.85% | 4.65% |
| BankSouth Greensboro | $1.59B | 1.57% | 69.66% | 4.63% |
| PeoplesSouth Bank Colquitt | $1.21B | 1.53% | 50.92% | 4.23% |
| American Pride Bank Macon | $1.03B | 0.52% | 76.70% | 3.30% |
| First American Bank and Trust Company Athens | $902M | 1.98% | 49.61% | 4.64% |
| Farmers and Merchants Bank Lakeland | $862M | 1.63% | 48.07% | 4.79% |
| First Century Bank, National Association Commerce | $832M | 1.64% | 61.96% | 4.74% |
| Barwick Banking Company Barwick | $830M | 0.87% | 62.77% | 3.92% |
| PromiseOne Bank Duluth | $812M | 1.52% | 57.74% | 3.21% |
| Citizens Trust Bank Atlanta | $790M | 1.58% | 54.11% | 4.28% |
| First National Community Bank Chatsworth | $755M | 1.90% | 48.39% | 4.96% |
| Oconee State Bank Watkinsville | $744M | 0.81% | 72.97% | 4.19% |
| FNB SOUTH Alma | $735M | 2.64% | 46.14% | 5.38% |
| First State Bank of Blakely Blakely | $668M | 1.79% | 51.42% | 4.94% |
| Northeast Georgia Bank Lavonia | $651M | 2.59% | 42.39% | 4.72% |
| Community Bank of Pickens County Jasper | $629M | 2.35% | 38.12% | 4.72% |
| Southeastern Bank Darien | $625M | 1.71% | 55.03% | 4.90% |
| First Port City Bank Bainbridge | $624M | 1.56% | 55.83% | 4.66% |
| The Citizens Bank of Georgia Cumming | $599M | 1.86% | 38.70% | 4.07% |
| Guardian Bank Valdosta | $598M | 1.54% | 56.50% | 3.43% |
| Pineland Bank Alma | $597M | 1.66% | 56.49% | 5.15% |
| South Georgia Banking Company Omega | $570M | 1.63% | 61.25% | 5.35% |
| Peoples Bank & Trust Buford | $563M | 1.41% | 46.08% | 3.86% |
| Sunmark Community Bank Perry | $557M | 2.77% | 52.67% | 6.47% |
| First National Bank of Coffee County Douglas | $547M | 1.41% | 63.43% | 3.84% |
| Bank of Dudley Dudley | $538M | 0.97% | 67.46% | 4.42% |
| First State Bank Wrens | $513M | 1.84% | 44.90% | 4.50% |
| Citizens Bank of Americus Americus | $511M | 1.58% | 47.67% | 3.80% |
| American Commerce Bank, National Association Bremen | $496M | 1.79% | 47.39% | 4.46% |
| Century Bank and Trust Milledgeville | $491M | 1.94% | 48.75% | 4.45% |
| Planters First Bank Cordele | $486M | 1.68% | 60.82% | 4.61% |
| The Commercial Bank Crawford | $464M | 3.14% | 41.24% | 5.12% |
| First Peoples Bank Pine Mountain | $449M | 1.04% | 66.76% | 4.85% |
| Bank of Madison Madison | $448M | 1.88% | 46.52% | 4.50% |
| The Bank of LaFayette, Georgia La Fayette | $447M | 0.93% | 56.83% | 2.65% |
| Glennville Bank Glennville | $444M | 1.56% | 54.07% | 4.14% |
| River City Bank Rome | $423M | 1.71% | 56.69% | 4.73% |
| Great Oaks Bank Richmond Hill | $422M | 1.42% | 68.60% | 4.52% |
| The Citizens Bank of Swainsboro Swainsboro | $420M | 1.83% | 51.79% | 4.93% |
| F&M Bank Washington | $420M | 1.40% | 61.02% | 4.84% |
| Touchmark National Bank Alpharetta | $417M | 0.45% | 70.14% | 2.37% |
| CIBC National Trust Company Atlanta | $413M | 13.72% | 59.15% | 4.18% |
| Exchange Bank Milledgeville | $410M | -0.70% | 58.09% | 5.07% |
| Commercial Banking Company Valdosta | $410M | 1.94% | 55.38% | 4.80% |
| Citizens Bank of the South Sandersville | $395M | 1.58% | 58.07% | 5.00% |
| Georgia Community Bank Albany | $375M | 1.80% | 62.13% | 4.92% |
| First National Bank of Griffin Griffin | $368M | 1.45% | 61.06% | 4.69% |
| Rabun County Bank Clayton | $362M | 1.64% | 51.46% | 4.09% |
| First National Bank of Decatur County Bainbridge | $360M | 0.26% | 89.31% | 3.59% |
| Flint Community Bank Albany | $357M | 2.10% | 51.96% | 4.43% |
| First Southern Bank Waycross | $347M | 0.94% | 72.90% | 4.50% |
| Altamaha Bank & Trust Company Vidalia | $334M | 1.55% | 58.31% | 4.66% |
| Bank of Newington Newington | $334M | 1.50% | 59.55% | 5.00% |
| Douglas National Bank Douglas | $327M | 3.51% | 41.71% | 5.35% |
| Classic City Bank Athens | $314M | 2.11% | 39.80% | 4.81% |
| United National Bank Cairo | $309M | 1.23% | 59.19% | 4.70% |
| Craft Bank Atlanta | $306M | 1.37% | 62.27% | 5.24% |
| The Claxton Bank Bellville | $305M | 0.34% | 84.56% | 4.08% |
| Durden Banking Company, Incorporated Twin City | $299M | 3.60% | 43.87% | 6.08% |
| Community Banking Company Fitzgerald | $297M | 1.66% | 53.12% | 4.13% |
| Georgia First Bank Soperton | $291M | 1.86% | 59.85% | 5.43% |
| Farmers & Merchants Bank Eatonton | $290M | 0.55% | 72.89% | 2.86% |
| First Federal Savings and Loan Association of Valdosta Valdosta | $278M | 0.83% | 73.17% | 4.17% |
| South Coast Bank & Trust Brunswick | $270M | 1.51% | 61.23% | 3.87% |
| The Peoples Bank Eatonton | $270M | 1.46% | 65.07% | 5.03% |
| South Georgia Bank Glennville | $270M | 1.85% | 52.88% | 4.36% |
| Community Bank of Georgia Baxley | $269M | 1.85% | 43.87% | 4.83% |
| AB&T Albany | $261M | 1.92% | 48.12% | 4.64% |
| The Peoples Bank of Georgia Talbotton | $252M | 1.59% | 56.34% | 5.20% |
| Bank of Alapaha Alapaha | $251M | 0.65% | 76.06% | 3.44% |
| Waycross Bank & Trust Waycross | $242M | 1.30% | 63.12% | 3.28% |
| Loyal Trust Bank Johns Creek | $235M | 0.26% | 88.16% | 2.89% |
| The First National Bank of Waynesboro Waynesboro | $229M | 2.33% | 47.00% | 5.12% |
| Embassy National Bank Lawrenceville | $228M | 1.52% | 61.42% | 4.69% |
| Citizens Community Bank Hahira | $222M | 1.45% | 64.49% | 4.27% |
| Mount Vernon Bank Mount Vernon | $218M | 1.27% | 68.84% | 4.71% |
| First Bank of Coastal Georgia Pembroke | $216M | 0.23% | 92.90% | 2.63% |
| Vidalia Federal Savings Bank Vidalia | $212M | -0.80% | 155.70% | 1.28% |
| Legacy State Bank Loganville | $206M | 1.11% | 62.18% | 4.05% |
| The Citizens Bank of Cochran Cochran | $201M | 2.01% | 51.87% | 5.62% |
| Magnolia State Bank Eastman | $199M | 1.98% | 64.44% | 5.80% |
| Peoples Bank Lyons | $192M | 1.24% | 57.33% | 4.01% |
| The Geo. D. Warthen Bank Sandersville | $190M | 1.10% | 75.61% | 5.85% |
| Bank of Camilla Camilla | $188M | 1.54% | 55.74% | 3.70% |
| Farmers State Bank Lincolnton | $186M | 2.67% | 53.64% | 5.39% |
| Farmers and Merchants Bank Sylvania | $171M | 2.05% | 40.01% | 4.22% |
| Bank of Dade Trenton | $162M | 2.72% | 48.21% | 4.99% |
| Family Bank Pelham | $162M | 1.38% | 60.03% | 5.20% |
| West Central Georgia Bank Thomaston | $160M | 1.65% | 55.75% | 4.29% |
| Bank of Dawson Dawson | $160M | 2.22% | 50.04% | 4.68% |
| Bank of Monticello Monticello | $158M | 3.21% | 42.42% | 5.68% |
| Farmers State Bank Dublin | $156M | 2.15% | 60.26% | 5.44% |
| Moultrie Bank & Trust Moultrie | $151M | 0.99% | 60.25% | 3.85% |
| The Farmers Bank Greensboro | $148M | 1.04% | 60.79% | 3.81% |
| The Merchants & Citizens Bank Mcrae | $146M | 0.77% | 76.12% | 3.46% |
| Planters and Citizens Bank Camilla | $139M | 0.66% | 77.98% | 4.01% |
| Bank of Hazlehurst Hazlehurst | $134M | 2.19% | 56.80% | 4.81% |
| The Citizens National Bank of Quitman Quitman | $134M | 1.58% | 52.13% | 4.40% |
| Carver State Bank Savannah | $111M | 1.00% | 78.30% | 4.36% |
| The Peoples Bank Willacoochee | $109M | 0.71% | 79.80% | 3.04% |
| First Bank of Pike Zebulon | $87M | 1.30% | 73.60% | 5.67% |
| F & M Bank and Trust Company Manchester | $87M | 0.88% | 82.65% | 5.65% |
| The Four County Bank Allentown | $87M | 1.94% | 56.34% | 4.77% |
| First State Bank of Randolph County Cuthbert | $87M | -0.27% | 109.30% | 2.61% |
| Rochelle State Bank Rochelle | $86M | 0.17% | 88.06% | 3.73% |
| Bank of Hancock County Sparta | $85M | 0.46% | 87.27% | 3.42% |
| The Bank of Edison Edison | $84M | 1.80% | 68.66% | 4.41% |
| Southeast First National Bank Summerville | $75M | 0.80% | 73.08% | 3.76% |
| Apex Banking Company of Georgia Cleveland | $73M | 0.55% | 84.55% | 5.07% |
| The Security State Bank Mcrae | $70M | 1.92% | 61.73% | 5.49% |
| Talbot State Bank Woodland | $52M | -0.85% | 123.73% | 3.69% |
| The Trust Bank Lenox | $47M | 1.94% | 71.88% | 7.01% |
| First City Bank Alpharetta | $23M | -3.05% | 293.75% | 1.49% |
Method
Banks are FDIC-insured institutions headquartered in Georgia with a call report for the quarter ending 06/30/2026. Return on assets and net interest margin are annualized year to date; the efficiency ratio is noninterest expense over revenue, so lower is better. Credit unions are NCUA-insured and not included. Click any bank for its comparison with same-size peers, or look up a bank in another state.