State directory · GA

Georgia Banks

Every FDIC-insured bank headquartered in Georgia, with health grades, capital, and profitability from the quarterly FDIC Call Report.

Compiled from official source data by PlainBankData Editorial
129
FDIC banks
83/100
Avg health score
$101.3B
Total assets
94
Failures since 2000

Data updated July 2026

The state picture

Georgia's 129 FDIC banks hold $101.3B in assets and average 83/100 on health - 88% earn an A or B grade.

129
FDIC-insured banks
88%
grade A or B (114 banks)
$27.4B
largest - Ameris Bank
94
failures since 2000

Figures from public FDIC Call Reports. A lower grade does not mean your money is at risk, deposits are FDIC-insured to $250,000 per depositor, per category, at every bank here.

For context: Georgia's average health score of 83/100 is above the 77/100 national average across all FDIC-insured banks PlainBankData tracks.

Health grade distribution

A
85
66% of banks
B
29
22% of banks
C
9
7% of banks
D
6
5% of banks
F
0
0% of banks

Largest banks in Georgia

Top 10 Georgia banks by total assets
  1. 1
    Ameris Bank $27.4B

    Atlanta, GA · Grade A

  2. 2
    RBC Bank, (Georgia) $8.0B

    Atlanta, GA · Grade A

  3. 3
    Metro City Bank $4.7B

    Doraville, GA · Grade A

  4. 4
    Colony Bank $3.7B

    Fitzgerald, GA · Grade B

  5. 5
    Georgia Banking Company $2.7B

    Atlanta, GA · Grade B

  6. 6
    United Bank $2.3B

    Zebulon, GA · Grade A

  7. 7
    Pinnacle Bank $2.3B

    Elberton, GA · Grade B

  8. 8
    Queensborough National Bank & Trust C… $2.2B

    Louisville, GA · Grade A

  9. 9
    Thomasville National Bank $2.1B

    Thomasville, GA · Grade A

  10. 10
    BankSouth $1.6B

    Greensboro, GA · Grade B

Top 10 of 129 Georgia banks · FDIC Call Report Q4 2025.

Georgia banks by health grade

0 20 40 60 80 100 A B C D F 85 29 9 6 0

How Georgia compares nationally

Georgia ranks #8 of 55 states and territories by average bank health score - better than 87% of them.

States grouped by average health score

All 129 Georgia banks · Page 1 of 2

Bank Assets Grade
Ameris Bank $27.4B A
RBC Bank, (Georgia) National Association $8.0B A
Metro City Bank $4.7B A
Colony Bank $3.7B B
Georgia Banking Company $2.7B B
United Bank $2.3B A
Pinnacle Bank $2.3B B
Queensborough National Bank & Trust Company $2.2B A
Thomasville National Bank $2.1B A
BankSouth $1.6B B
Morris Bank $1.5B A
PrimeSouth Bank $1.5B A
PeoplesSouth Bank $1.2B B
First Century Bank, National Association $984M A
Affinity Bank, National Association $881M B
First American Bank and Trust Company $853M A
PromiseOne Bank $837M A
Citizens Trust Bank $796M A
Peach State Bank & Trust $786M A
American Pride Bank $773M B
Farmers and Merchants Bank $763M B
Oconee State Bank $734M B
Barwick Banking Company $728M C
FNB SOUTH $714M A
First National Community Bank $703M A
First State Bank of Blakely $669M A
Northeast Georgia Bank $652M A
Community Bank of Pickens County $630M A
Southeastern Bank $623M A
The Citizens Bank of Georgia $617M A
South Georgia Banking Company $606M A
Guardian Bank $591M B
First Port City Bank $583M A
Pineland Bank $570M B
Peoples Bank & Trust $548M A
First National Bank of Coffee County $519M A
First State Bank $513M A
Citizens Bank of Americus $505M A
Bank of Dudley $502M B
American Commerce Bank, National Association $485M A
The Commercial Bank $463M A
Planters First Bank $453M A
The Bank of LaFayette, Georgia $448M C
First Peoples Bank $445M A
Bank of Madison $426M A
Exchange Bank $425M A
F&M Bank $419M A
Touchmark National Bank $418M B
Glennville Bank $417M A
The Citizens Bank of Swainsboro $413M A
Great Oaks Bank $399M A
Sunmark Community Bank $399M A
River City Bank $398M A
CIBC National Trust Company $397M A
Georgia Community Bank $380M A
Commercial Banking Company $373M A
First National Bank of Decatur County $371M D
Southern Bank $371M D
Rabun County Bank $366M A
First National Bank of Griffin $366M A
Century Bank and Trust $364M A
Citizens Bank of the South $362M A
Altamaha Bank & Trust Company $333M A
Flint Community Bank $332M A
First Southern Bank $328M B
Douglas National Bank $325M A
Bank of Newington $313M B
United National Bank $312M A
Farmers & Merchants Bank $312M A
Tandem Bank $304M A
Community Banking Company $302M A
Classic City Bank $294M A
Community Bank and Trust - West Georgia $288M C
Durden Banking Company, Incorporated $284M A
AB&T $280M A
Georgia First Bank $275M A
First Federal Savings and Loan Association of Valdosta $272M C
Craft Bank $272M A
The Claxton Bank $265M B
South Coast Bank & Trust $265M B
The Peoples Bank $257M B
South Georgia Bank $256M A
Bank of Alapaha $250M B
Community Bank of Georgia $248M A
Loyal Trust Bank $243M B
Waycross Bank & Trust $241M A
The Peoples Bank of Georgia $235M B
The First National Bank of Waynesboro $227M A
First Bank of Coastal Georgia $221M B
Vidalia Federal Savings Bank $219M C
Embassy National Bank $218M A
Citizens Community Bank $210M B
The Citizens Bank of Cochran $203M A
Magnolia State Bank $198M A
Bank of Camilla $196M A
The Geo. D. Warthen Bank $195M A
Legacy State Bank $191M A
Peoples Bank $189M A
Mount Vernon Bank $189M C
Farmers State Bank $184M A

How to read the Georgia bank directory

This page lists every FDIC-insured bank with a primary regulatory address in Georgia. Both state-chartered and nationally-chartered banks appear when the FDIC institution directory places their headquarters here. Branch locations, ATM networks, and credit unions are not in scope, this is a headquarters-anchored view. The 129 institutions shown reflect the most recent quarterly FDIC release.

Health grade interpretation

Each bank's letter grade (A–F) is computed from four FDIC-reported metrics: Tier 1 capital ratio, return on assets, the Texas Ratio (non-performing assets ÷ tangible capital), and the efficiency ratio. Across Georgia, 114 institutions (88%) sit in the A or B band, while 6 (5%) fall in the D or F band. The C cluster, the broad middle, typically captures roughly half of any state's banks and is not a warning signal on its own.

When failures matter

Since 2000, 94 banks headquartered in Georgia have failed. Every depositor was made whole up to the standard FDIC ceiling ($250,000 per depositor, per ownership category, per institution). Failures cluster around macro events (the 2008–2010 wave, the 2023 regional-bank stress) rather than steady attrition, so a clean recent record reflects the absence of a triggering shock more than guaranteed safety. The "Under Stress" ranking is more forward-looking, because it scores current capital and credit-loss capacity.

Sources, refresh cadence, and corrections

Every figure derives from the FDIC Quarterly Banking Profile and the FDIC Institution Directory, both public-domain. We re-pull on the FDIC's schedule (quarterly release plus monthly directory deltas for mergers and closures). Asset and capital figures are reported as of the most recent quarter-end and lag the calendar by ~90 days, the FDIC's reporting lag, not ours.

Using the Georgia directory

Three ways to put this state view to work.

Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings.

Data compiled from the Federal Deposit Insurance Corporation (FDIC) (FDIC Quarterly Banking Profile, Institution Directory, Failed Bank List). See our methodology for the full pipeline and source vintage.

Retrieved and compiled by PlainBankData Editorial from FDIC Call Report (FFIEC 031/041) filings, Q4 2025.

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Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. This page draws directly on FDIC federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.

Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.