RANKING ·
Largest net interest margin improvement 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 and a comparable quarter a year earlier. Institutions with equal values share a rank. Source: FDIC quarterly financial data.
| Rank | Institution | Headquarters | Net interest margin, change over 12 months | Total assets |
|---|---|---|---|---|
| 1 | Pinnacle Bank | Elberton, GA | +153 bps | $4.0 billion |
| 2 | Exchange Bank | Milledgeville, GA | +131 bps | $410 million |
| 3 | First Century Bank N.A. | Commerce, GA | +112 bps | $832 million |
| 4 | The Farmers Bank | Greensboro, GA | +89 bps | $148 million |
| 5 | Touchmark National Bank | Alpharetta, GA | +85 bps | $417 million |
| 6 | First Bank of Coastal Georgia | Pembroke, GA | +84 bps | $216 million |
| 7 | Carver State Bank | Savannah, GA | +78 bps | $111 million |
| 8 | First Peoples Bank | Pine Mountain, GA | +57 bps | $449 million |
| 9 | Loyal Trust Bank | Johns Creek, GA | +43 bps | $235 million |
| 10 | Colony Bank | Fitzgerald, GA | +42 bps | $3.6 billion |
| 11 | First American Bank and Trust Company | Athens, GA | +40 bps | $902 million |
| 12 | Moultrie Bank & Trust | Moultrie, GA | +40 bps | $151 million |
| 13 | Durden Banking Company, Incorporated | Twin City, GA | +36 bps | $299 million |
| 14 | Bank of Madison | Madison, GA | +36 bps | $448 million |
| 15 | Metro City Bank | Doraville, GA | +34 bps | $4.5 billion |
| 16 | Peoples Bank & Trust | Buford, GA | +30 bps | $563 million |
| 17 | The Citizens Bank of Georgia | Cumming, GA | +30 bps | $599 million |
| 18 | First National Bank of Decatur County | Bainbridge, GA | +30 bps | $360 million |
| 19 | First Port City Bank | Bainbridge, GA | +27 bps | $624 million |
| 20 | Banksouth | Greensboro, GA | +27 bps | $1.6 billion |
| 21 | Citizens Bank of Americus | Americus, GA | +26 bps | $511 million |
| 22 | Southeastern Bank | Darien, GA | +25 bps | $625 million |
| 23 | Farmers & Merchants Bank | Eatonton, GA | +25 bps | $290 million |
| 24 | First National Bank of Coffee County | Douglas, GA | +25 bps | $547 million |
| 25 | South Georgia Banking Company | Omega, GA | +25 bps | $570 million |
| 26 | Community Bank of Georgia | Baxley, GA | +25 bps | $269 million |
| 27 | First State Bank | Wrens, GA | +24 bps | $513 million |
| 28 | The Citizens Bank of Cochran | Cochran, GA | +24 bps | $201 million |
| 29 | Fnb South | Alma, GA | +22 bps | $735 million |
| 30 | Rabun County Bank | Clayton, GA | +22 bps | $362 million |
| 31 | Guardian Bank | Valdosta, GA | +20 bps | $598 million |
| 32 | Peach State Bank & Trust | Gainesville, GA | +17 bps | $786 million |
| 33 | The Citizens National Bank of Quitman | Quitman, GA | +16 bps | $134 million |
| 34 | Douglas National Bank | Douglas, GA | +15 bps | $327 million |
| 35 | Queensborough National Bank & Trust Company | Louisville, GA | +15 bps | $2.3 billion |
| 36 | Vidalia Federal Savings Bank | Vidalia, GA | +15 bps | $212 million |
| 37 | Ab & T | Albany, GA | +15 bps | $261 million |
| 38 | Waycross Bank & Trust | Waycross, GA | +14 bps | $242 million |
| 39 | Mount Vernon Bank | Mount Vernon, GA | +14 bps | $218 million |
| 40 | Community Banking Company | Fitzgerald, GA | +14 bps | $297 million |
| 41 | Farmers State Bank | Dublin, GA | +13 bps | $156 million |
| 42 | First National Bank of Griffin | Griffin, GA | +13 bps | $368 million |
| 43 | The First National Bank of Waynesboro | Waynesboro, GA | +13 bps | $229 million |
| 44 | Bank of Dade | Trenton, GA | +12 bps | $162 million |
| 45 | Planters and Citizens Bank | Camilla, GA | +11 bps | $139 million |
| 46 | The Merchants & Citizens Bank | Mcrae, GA | +9 bps | $146 million |
| 47 | Barwick Banking Company | Barwick, GA | +9 bps | $830 million |
| 48 | The Commercial Bank | Crawford, GA | +7 bps | $464 million |
| 49 | South Coast Bank & Trust | Brunswick, GA | +7 bps | $270 million |
| 50 | Northeast Georgia Bank | Lavonia, GA | +6 bps | $651 million |
| 51 | West Central Georgia Bank | Thomaston, GA | +6 bps | $160 million |
| 52 | River City Bank | Rome, GA | +5 bps | $423 million |
| 53 | Ameris Bank | Atlanta, GA | +5 bps | $28.4 billion |
| 54 | Affinity Bank N.A. | Covington, GA | +5 bps | $915 million |
| 55 | Bank of Hazlehurst | Hazlehurst, GA | +5 bps | $134 million |
| 56 | Pineland Bank | Alma, GA | +5 bps | $597 million |
| 57 | Century Bank & Trust | Milledgeville, GA | +5 bps | $491 million |
| 58 | Bank of Monticello | Monticello, GA | +5 bps | $158 million |
| 59 | The Peoples Bank | Willacoochee, GA | +4 bps | $109 million |
| 60 | First Southern Bank | Waycross, GA | +3 bps | $347 million |
| 61 | Bank of Camilla | Camilla, GA | +2 bps | $188 million |
| 62 | Farmers & Merchants Bank | Lakeland, GA | +2 bps | $862 million |
| 63 | Flint Community Bank | Albany, GA | +1 bps | $357 million |
| 64 | F & M Bank | Washington, GA | +1 bps | $420 million |
| 65 | Promiseone Bank | Duluth, GA | 0 bps | $812 million |
| 66 | First National Community Bank | Chatsworth, GA | -1 bps | $755 million |
| 67 | Peoplessouth Bank | Colquitt, GA | -2 bps | $1.2 billion |
| 68 | Bank of Alapaha | Alapaha, GA | -3 bps | $251 million |
| 69 | The Peoples Bank of Georgia | Talbotton, GA | -3 bps | $252 million |
| 70 | South Georgia Bank | Glennville, GA | -4 bps | $270 million |
| 71 | Farmers and Merchants Bank | Sylvania, GA | -5 bps | $171 million |
| 72 | Sunmark Community Bank | Perry, GA | -5 bps | $557 million |
| 73 | First State Bank of Blakely | Blakely, GA | -6 bps | $668 million |
| 74 | The Geo. D. Warthen Bank | Sandersville, GA | -6 bps | $190 million |
| 75 | Glennville Bank | Glennville, GA | -6 bps | $444 million |
| 76 | Peoples Bank | Lyons, GA | -7 bps | $192 million |
| 77 | First Federal Savings & Loan Association of Valdosta | Valdosta, GA | -8 bps | $278 million |
| 78 | Citizens Trust Bank | Atlanta, GA | -8 bps | $790 million |
| 79 | Oconee State Bank | Watkinsville, GA | -8 bps | $744 million |
| 80 | Synovus Trust Company N.A. | Columbus, GA | -9 bps | $157 million |
| 81 | Classic City Bank | Athens, GA | -9 bps | $314 million |
| 82 | Primesouth Bank | Blackshear, GA | -10 bps | $1.6 billion |
| 83 | Legacy State Bank | Loganville, GA | -10 bps | $206 million |
| 84 | Rbc Bank (Georgia) N.A. | Atlanta, GA | -10 bps | $9.6 billion |
| 85 | Georgia Community Bank | Albany, GA | -13 bps | $375 million |
| 86 | The Citizens Bank of Swainsboro | Swainsboro, GA | -14 bps | $420 million |
| 87 | American Commerce Bank N.A. | Bremen, GA | -14 bps | $496 million |
| 88 | Citizens Community Bank | Hahira, GA | -15 bps | $222 million |
| 89 | Family Bank | Pelham, GA | -15 bps | $162 million |
| 90 | The Peoples Bank | Eatonton, GA | -15 bps | $270 million |
| 91 | United National Bank | Cairo, GA | -16 bps | $309 million |
| 92 | Thomasville National Bank | Thomasville, GA | -16 bps | $2.2 billion |
| 93 | Georgia Banking Company | Atlanta, GA | -16 bps | $3.3 billion |
| 94 | Bank of Newington | Newington, GA | -18 bps | $334 million |
| 95 | Bank of Dudley | Dudley, GA | -21 bps | $538 million |
| 96 | Great Oaks Bank | Richmond Hill, GA | -22 bps | $422 million |
| 97 | Farmers State Bank | Lincolnton, GA | -23 bps | $186 million |
| 98 | Altamaha Bank and Trust Company | Vidalia, GA | -27 bps | $334 million |
| 99 | Community Bank of Pickens County | Jasper, GA | -27 bps | $629 million |
| 100 | The Bank of Lafayette | La Fayette, GA | -28 bps | $447 million |
Rankings sort one published measure; they are not an overall judgment of any institution. Methodology · All rankings