RANKING · Q2 2026

Lowest efficiency ratio 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 positive revenue. Institutions with equal values share a rank. Source: FDIC quarterly financial data.

Lowest efficiency ratio in Georgia, Q2 2026
Rank	Institution	Headquarters	Efficiency ratio (noninterest expense / revenue)	Total assets
1	Rbc Bank (Georgia) N.A.	Atlanta, GA	24.4%	$9.6 billion
2	Community Bank of Pickens County	Jasper, GA	37.8%	$629 million
3	The Citizens Bank of Georgia	Cumming, GA	38.0%	$599 million
4	Thomasville National Bank	Thomasville, GA	38.6%	$2.2 billion
5	Farmers and Merchants Bank	Sylvania, GA	38.7%	$171 million
6	Classic City Bank	Athens, GA	39.0%	$314 million
7	Metro City Bank	Doraville, GA	39.9%	$4.5 billion
8	Douglas National Bank	Douglas, GA	41.3%	$327 million
9	Bank of Monticello	Monticello, GA	41.5%	$158 million
10	The Commercial Bank	Crawford, GA	42.1%	$464 million
11	Northeast Georgia Bank	Lavonia, GA	42.6%	$651 million
12	Community Bank of Georgia	Baxley, GA	42.9%	$269 million
13	Durden Banking Company, Incorporated	Twin City, GA	44.1%	$299 million
14	First State Bank	Wrens, GA	44.9%	$513 million
15	Peoples Bank & Trust	Buford, GA	45.1%	$563 million
16	Primesouth Bank	Blackshear, GA	45.8%	$1.6 billion
17	Farmers & Merchants Bank	Lakeland, GA	46.4%	$862 million
18	Citizens Bank of Americus	Americus, GA	46.5%	$511 million
19	Fnb South	Alma, GA	46.8%	$735 million
20	The First National Bank of Waynesboro	Waynesboro, GA	47.1%	$229 million
21	Rabun County Bank	Clayton, GA	47.3%	$362 million
22	Ab & T	Albany, GA	47.6%	$261 million
23	American Commerce Bank N.A.	Bremen, GA	48.0%	$496 million
24	First American Bank and Trust Company	Athens, GA	48.1%	$902 million
25	Sunmark Community Bank	Perry, GA	48.3%	$557 million
26	First National Community Bank	Chatsworth, GA	48.6%	$755 million
27	Century Bank & Trust	Milledgeville, GA	48.6%	$491 million
28	United Bank	Zebulon, GA	48.8%	$2.2 billion
29	Bank of Madison	Madison, GA	48.8%	$448 million
30	Bank of Dade	Trenton, GA	50.0%	$162 million
31	First State Bank of Blakely	Blakely, GA	50.1%	$668 million
32	Flint Community Bank	Albany, GA	50.3%	$357 million
33	Farmers State Bank	Lincolnton, GA	50.5%	$186 million
34	The Citizens Bank of Cochran	Cochran, GA	51.4%	$201 million
35	The Citizens National Bank of Quitman	Quitman, GA	51.5%	$134 million
36	South Georgia Bank	Glennville, GA	51.6%	$270 million
37	The Citizens Bank of Swainsboro	Swainsboro, GA	52.0%	$420 million
38	Community Banking Company	Fitzgerald, GA	52.1%	$297 million
39	Peoplessouth Bank	Colquitt, GA	52.2%	$1.2 billion
40	Citizens Trust Bank	Atlanta, GA	52.6%	$790 million
41	Glennville Bank	Glennville, GA	53.1%	$444 million
42	Peach State Bank & Trust	Gainesville, GA	53.5%	$786 million
43	West Central Georgia Bank	Thomaston, GA	54.4%	$160 million
44	Bank of Dawson	Dawson, GA	54.6%	$160 million
45	United National Bank	Cairo, GA	54.9%	$309 million
46	River City Bank	Rome, GA	55.7%	$423 million
47	The Peoples Bank of Georgia	Talbotton, GA	55.9%	$252 million
48	Bank of Hazlehurst	Hazlehurst, GA	56.0%	$134 million
49	First Port City Bank	Bainbridge, GA	56.1%	$624 million
50	Southeastern Bank	Darien, GA	56.3%	$625 million
51	Promiseone Bank	Duluth, GA	56.8%	$812 million
52	Commercial Banking Company	Valdosta, GA	56.8%	$410 million
53	Bank of Camilla	Camilla, GA	57.0%	$188 million
54	Citizens Bank of the South	Sandersville, GA	57.2%	$395 million
55	Exchange Bank	Milledgeville, GA	57.2%	$410 million
56	Pineland Bank	Alma, GA	57.4%	$597 million
57	The Bank of Lafayette	La Fayette, GA	57.5%	$447 million
58	Altamaha Bank and Trust Company	Vidalia, GA	57.7%	$334 million
59	Guardian Bank	Valdosta, GA	57.8%	$598 million
60	Legacy State Bank	Loganville, GA	58.5%	$206 million
61	Touchmark National Bank	Alpharetta, GA	59.3%	$417 million
62	Peoples Bank	Lyons, GA	59.5%	$192 million
63	Craft Bank	Atlanta, GA	59.6%	$306 million
64	Moultrie Bank & Trust	Moultrie, GA	59.6%	$151 million
65	Farmers State Bank	Dublin, GA	59.8%	$156 million
66	South Georgia Banking Company	Omega, GA	60.1%	$570 million
67	The Farmers Bank	Greensboro, GA	60.2%	$148 million
68	Affinity Bank N.A.	Covington, GA	60.3%	$915 million
69	Georgia First Bank	Soperton, GA	60.3%	$291 million
70	First National Bank of Griffin	Griffin, GA	60.6%	$368 million
71	Planters First Bank	Cordele, GA	60.8%	$486 million
72	Bank of Newington	Newington, GA	60.9%	$334 million
73	Barwick Banking Company	Barwick, GA	61.2%	$830 million
74	Georgia Community Bank	Albany, GA	61.3%	$375 million
75	Cibc National Trust Company	Atlanta, GA	61.8%	$413 million
76	South Coast Bank & Trust	Brunswick, GA	61.8%	$270 million
77	Colony Bank	Fitzgerald, GA	61.9%	$3.6 billion
78	F & M Bank	Washington, GA	62.1%	$420 million
79	First National Bank of Coffee County	Douglas, GA	63.1%	$547 million
80	Waycross Bank & Trust	Waycross, GA	63.2%	$242 million
81	Embassy National Bank	Lawrenceville, GA	63.7%	$228 million
82	Family Bank	Pelham, GA	64.2%	$162 million
83	Synovus Trust Company N.A.	Columbus, GA	64.3%	$157 million
84	Queensborough National Bank & Trust Company	Louisville, GA	64.6%	$2.3 billion
85	Magnolia State Bank	Eastman, GA	66.0%	$199 million
86	Citizens Community Bank	Hahira, GA	66.3%	$222 million
87	First Peoples Bank	Pine Mountain, GA	67.0%	$449 million
88	Farmers & Merchants Bank	Eatonton, GA	67.1%	$290 million
89	Planters and Citizens Bank	Camilla, GA	67.2%	$139 million
90	The Peoples Bank	Eatonton, GA	68.4%	$270 million
91	Great Oaks Bank	Richmond Hill, GA	68.6%	$422 million
92	Pinnacle Bank	Elberton, GA	68.9%	$4.0 billion
93	Bank of Dudley	Dudley, GA	68.9%	$538 million
94	Banksouth	Greensboro, GA	69.1%	$1.6 billion
95	Georgia Banking Company	Atlanta, GA	69.2%	$3.3 billion
96	First Century Bank N.A.	Commerce, GA	70.1%	$832 million
97	Oconee State Bank	Watkinsville, GA	70.6%	$744 million
98	Mount Vernon Bank	Mount Vernon, GA	70.6%	$218 million
99	First Southern Bank	Waycross, GA	72.7%	$347 million
100	First Federal Savings & Loan Association of Valdosta	Valdosta, GA	73.6%	$278 million

Rankings sort one published measure; they are not an overall judgment of any institution. Methodology · All rankings