Georgia First Bank
Soperton, Georgia, Treutlen County
$291M in total assets, the 2,556th largest of 4,309 US banks and 72nd of 125 headquartered in Georgia.
- FDIC certificate
- 889
- Established
- 1903
- Owned by
- Soperton Bancshares Inc
- Primary regulator
- FDIC
- Website
- https://georgiafirst.bank
At a glance
Compared with 98 banks headquartered in Georgia with $100 million to $1 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $291M | 41% | $341M | |
| Loans | $246M | 52% | $239M | |
| Deposits | $259M | 45% | $302M | |
| Return on assets | 1.92% | 78% | 1.54% | |
| Net interest margin | 5.43% | 93% | 4.51% | |
| Efficiency ratio | 59.8% | 57% | 57.5% | |
| Equity to assets | 10.14% | 40% | 10.90% | |
| Loans to deposits | 95% | 88% | 79% |
Growth
Total assets grew 19.4% a year over the last 5 years and 20.3% a year over 10 years, without acquisitions.
Where they operate
3 branches in 3 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Treutlen County, GA | $115M | 100.0% | 1 of 1 |
| Laurens County, GA | $84M | 5.4% | 6 of 11 |
| Toombs County, GA | $61M | 5.6% | 6 of 7 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 2 branches since 2016 (1 to 3, +200.0%). 2 opened, 0 acquired, 0 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 1 | |||
| 2017 | Opened Vidalia | 1 | 0 | +1 | 2 |
| 2022 | Opened Dublin | 1 | 0 | +1 | 3 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| 1-4 family residential | 40% | 30% | |
| Commercial real estate | 22% | 32% | |
| Business (C&I) | 13% | 9% | |
| Farmland | 12% | 6% | |
| Construction and land | 7% | 12% | |
| Consumer | 6% | 4% | |
| Agricultural | 1% | 2% | |
| Multifamily | 0% | 3% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Time deposits | 46% | 30% | |
| Other interest-bearing | 36% | 44% | |
| Noninterest-bearing | 18% | 26% |
Brokered deposits are 0.0% of deposits (peers 2.3%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.07% | 0.32% |
| Net charge-offs, annualized | -0.00% | 0.00% |
| Reserves to loans | 1.65% | 1.36% |
| Leverage ratio | 9.52% | 11.63% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Georgia
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/georgia-first