RANKING ·
Highest net interest margin in Georgia
112 of 125 banks in Georgia that filed for the quarter ended June 30, 2026 are ranked. At least $100 million in total assets. Institutions with equal values share a rank. Source: FDIC quarterly financial data.
| Rank | Institution | Headquarters | Net interest margin | Total assets |
|---|---|---|---|---|
| 1 | Durden Banking Company, Incorporated | Twin City, GA | 6.11% | $299 million |
| 2 | Sunmark Community Bank | Perry, GA | 6.05% | $557 million |
| 3 | The Geo. D. Warthen Bank | Sandersville, GA | 5.79% | $190 million |
| 4 | Pinnacle Bank | Elberton, GA | 5.78% | $4.0 billion |
| 5 | Bank of Monticello | Monticello, GA | 5.71% | $158 million |
| 6 | The Citizens Bank of Cochran | Cochran, GA | 5.67% | $201 million |
| 7 | Magnolia State Bank | Eastman, GA | 5.60% | $199 million |
| 8 | South Georgia Banking Company | Omega, GA | 5.58% | $570 million |
| 9 | Exchange Bank | Milledgeville, GA | 5.55% | $410 million |
| 10 | Fnb South | Alma, GA | 5.52% | $735 million |
| 11 | Farmers State Bank | Dublin, GA | 5.49% | $156 million |
| 12 | Farmers State Bank | Lincolnton, GA | 5.43% | $186 million |
| 13 | Georgia First Bank | Soperton, GA | 5.37% | $291 million |
| 14 | The First National Bank of Waynesboro | Waynesboro, GA | 5.36% | $229 million |
| 15 | The Peoples Bank of Georgia | Talbotton, GA | 5.35% | $252 million |
| 16 | Craft Bank | Atlanta, GA | 5.30% | $306 million |
| 17 | Douglas National Bank | Douglas, GA | 5.27% | $327 million |
| 18 | The Commercial Bank | Crawford, GA | 5.24% | $464 million |
| 19 | First Peoples Bank | Pine Mountain, GA | 5.18% | $449 million |
| 20 | Pineland Bank | Alma, GA | 5.17% | $597 million |
| 21 | First State Bank of Blakely | Blakely, GA | 5.13% | $668 million |
| 22 | United Bank | Zebulon, GA | 5.10% | $2.2 billion |
| 23 | Family Bank | Pelham, GA | 5.09% | $162 million |
| 24 | Bank of Newington | Newington, GA | 5.05% | $334 million |
| 25 | The Citizens Bank of Swainsboro | Swainsboro, GA | 5.04% | $420 million |
| 26 | First National Community Bank | Chatsworth, GA | 5.03% | $755 million |
| 27 | The Peoples Bank | Eatonton, GA | 5.03% | $270 million |
| 28 | Bank of Dade | Trenton, GA | 5.02% | $162 million |
| 29 | Southeastern Bank | Darien, GA | 5.01% | $625 million |
| 30 | Bank of Hazlehurst | Hazlehurst, GA | 4.98% | $134 million |
| 31 | United National Bank | Cairo, GA | 4.97% | $309 million |
| 32 | Georgia Community Bank | Albany, GA | 4.97% | $375 million |
| 33 | Citizens Bank of the South | Sandersville, GA | 4.95% | $395 million |
| 34 | Community Bank of Georgia | Baxley, GA | 4.94% | $269 million |
| 35 | Farmers & Merchants Bank | Lakeland, GA | 4.93% | $862 million |
| 36 | Classic City Bank | Athens, GA | 4.92% | $314 million |
| 37 | F & M Bank | Washington, GA | 4.89% | $420 million |
| 38 | Northeast Georgia Bank | Lavonia, GA | 4.87% | $651 million |
| 39 | Community Bank of Pickens County | Jasper, GA | 4.87% | $629 million |
| 40 | Mount Vernon Bank | Mount Vernon, GA | 4.85% | $218 million |
| 41 | River City Bank | Rome, GA | 4.78% | $423 million |
| 42 | Carver State Bank | Savannah, GA | 4.78% | $111 million |
| 43 | Ab & T | Albany, GA | 4.75% | $261 million |
| 44 | First National Bank of Griffin | Griffin, GA | 4.74% | $368 million |
| 45 | Altamaha Bank and Trust Company | Vidalia, GA | 4.74% | $334 million |
| 46 | Commercial Banking Company | Valdosta, GA | 4.72% | $410 million |
| 47 | First American Bank and Trust Company | Athens, GA | 4.70% | $902 million |
| 48 | Primesouth Bank | Blackshear, GA | 4.68% | $1.6 billion |
| 49 | First Port City Bank | Bainbridge, GA | 4.66% | $624 million |
| 50 | Banksouth | Greensboro, GA | 4.64% | $1.6 billion |
| 51 | First State Bank | Wrens, GA | 4.61% | $513 million |
| 52 | Planters First Bank | Cordele, GA | 4.57% | $486 million |
| 53 | Embassy National Bank | Lawrenceville, GA | 4.57% | $228 million |
| 54 | American Commerce Bank N.A. | Bremen, GA | 4.56% | $496 million |
| 55 | The Citizens National Bank of Quitman | Quitman, GA | 4.52% | $134 million |
| 56 | Bank of Dudley | Dudley, GA | 4.52% | $538 million |
| 57 | First Southern Bank | Waycross, GA | 4.50% | $347 million |
| 58 | Bank of Madison | Madison, GA | 4.49% | $448 million |
| 59 | Cibc National Trust Company | Atlanta, GA | 4.49% | $413 million |
| 60 | South Georgia Bank | Glennville, GA | 4.46% | $270 million |
| 61 | Great Oaks Bank | Richmond Hill, GA | 4.44% | $422 million |
| 62 | Bank of Dawson | Dawson, GA | 4.42% | $160 million |
| 63 | Flint Community Bank | Albany, GA | 4.40% | $357 million |
| 64 | West Central Georgia Bank | Thomaston, GA | 4.39% | $160 million |
| 65 | Citizens Trust Bank | Atlanta, GA | 4.37% | $790 million |
| 66 | Oconee State Bank | Watkinsville, GA | 4.35% | $744 million |
| 67 | Rabun County Bank | Clayton, GA | 4.31% | $362 million |
| 68 | Farmers and Merchants Bank | Sylvania, GA | 4.27% | $171 million |
| 69 | Community Banking Company | Fitzgerald, GA | 4.27% | $297 million |
| 70 | Georgia Banking Company | Atlanta, GA | 4.25% | $3.3 billion |
| 71 | Peoplessouth Bank | Colquitt, GA | 4.23% | $1.2 billion |
| 72 | Citizens Community Bank | Hahira, GA | 4.23% | $222 million |
| 73 | Century Bank & Trust | Milledgeville, GA | 4.23% | $491 million |
| 74 | First Federal Savings & Loan Association of Valdosta | Valdosta, GA | 4.20% | $278 million |
| 75 | Thomasville National Bank | Thomasville, GA | 4.19% | $2.2 billion |
| 76 | Moultrie Bank & Trust | Moultrie, GA | 4.18% | $151 million |
| 77 | The Citizens Bank of Georgia | Cumming, GA | 4.16% | $599 million |
| 78 | Glennville Bank | Glennville, GA | 4.15% | $444 million |
| 79 | Metro City Bank | Doraville, GA | 4.12% | $4.5 billion |
| 80 | First Century Bank N.A. | Commerce, GA | 4.10% | $832 million |
| 81 | Rbc Bank (Georgia) N.A. | Atlanta, GA | 4.10% | $9.6 billion |
| 82 | Peoples Bank | Lyons, GA | 4.09% | $192 million |
| 83 | Legacy State Bank | Loganville, GA | 4.08% | $206 million |
| 84 | The Claxton Bank | Bellville, GA | 4.06% | $305 million |
| 85 | The Farmers Bank | Greensboro, GA | 4.06% | $148 million |
| 86 | Planters and Citizens Bank | Camilla, GA | 4.03% | $139 million |
| 87 | Peoples Bank & Trust | Buford, GA | 4.01% | $563 million |
| 88 | Ameris Bank | Atlanta, GA | 3.97% | $28.4 billion |
| 89 | Barwick Banking Company | Barwick, GA | 3.96% | $830 million |
| 90 | Queensborough National Bank & Trust Company | Louisville, GA | 3.94% | $2.3 billion |
| 91 | Peach State Bank & Trust | Gainesville, GA | 3.94% | $786 million |
| 92 | First National Bank of Coffee County | Douglas, GA | 3.93% | $547 million |
| 93 | Citizens Bank of Americus | Americus, GA | 3.93% | $511 million |
| 94 | Bank of Camilla | Camilla, GA | 3.90% | $188 million |
| 95 | South Coast Bank & Trust | Brunswick, GA | 3.89% | $270 million |
| 96 | First National Bank of Decatur County | Bainbridge, GA | 3.71% | $360 million |
| 97 | Affinity Bank N.A. | Covington, GA | 3.64% | $915 million |
| 98 | Colony Bank | Fitzgerald, GA | 3.64% | $3.6 billion |
| 99 | Bank of Alapaha | Alapaha, GA | 3.52% | $251 million |
| 100 | The Merchants & Citizens Bank | Mcrae, GA | 3.46% | $146 million |
Rankings sort one published measure; they are not an overall judgment of any institution. Methodology · All rankings