South Georgia Bank

Headquarters: Glennville, Georgia
Charter: Bank
Assets: $269.5M
Fed district: Atlanta

15 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 26, 2026.

Overview

Total assets
Q2 2026, quarter end
FDIC call report data · Jun 30, 2026
Revenue
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 26, 2026

How these figures are measured

Call-report figures are for South Georgia Bank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.

Metric	Measure and calculation	Source and fields	Period	Retrieved
Total assets	Total assets at quarter end Point in time, at quarter end	FDIC BankFind Suite (call report data) ASSET	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Revenue	Revenue (net interest + noninterest income) One quarter, as reported	FDIC BankFind Suite (call report data) NIMQ + NONIIQ	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Service-charge income	Service charges on deposit accounts One quarter, as reported	FDIC BankFind Suite (call report data) ISERCHGQ	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Service-charge share of revenue	Service charges on deposit accounts divided by revenue (net interest + noninterest income) Shown when at least 10 banks of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	South Georgia Bank's published fee schedule; Bank Fee Index medians	Current schedule	Oct 26, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FDIC BankFind Suite (call report data)
Entity: South Georgia Bank (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: One quarter, as reported
Fields: ISERCHGQ
Retrieved: Oct 24, 2026

What stands out

Service-charge income was $173K in Q2 2026, 13% above the same quarter a year earlier ($153K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
SGB Basic Checking $4 · Now Non-Personal Account $5 to $7 · Secure Benefits Account $6
Compared at $5.50, the middle of its prices
South Georgia Bank: $4 to $7
South Georgia Bank: $4 to $7
U.S. median: no median
Overdraft (OD)
South Georgia Bank: $33
South Georgia Bank: $33
U.S. median: no median
NSF / Returned Item
South Georgia Bank: $33
South Georgia Bank: $33
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 26, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Georgia, the Atlanta district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Georgia: Banks and credit unions headquartered in Georgia that publish the fee.
Atlanta district: Banks and credit unions headquartered in the Atlanta Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Service-charge income fell 4.4% from Q3 2025 to Q2 2026, to $173K.

Service-charge income, Q2 2026

$173K

$181KQ3 2025

$183KQ4 2025

$174KQ1 2026

$173KQ2 2026

Against the median

South Georgia BankMedian

Sources and open questions

FDIC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.

Do business accounts and account analysis fees make up more of service charges than at peers?

Among its peers

South Georgia Bank · $270M in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 17 states.

Banks only
$262M to $277M in assets
Headquartered in 17 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
South Georgia Bank(this institution)	Glennville, GA	$270M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Alliance Bank	Mondovi, WI	$266M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
American Bank & Trust Company	Opelousas, LA	$267M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft
Anahuac National Bank	Anahuac, TX	$266M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Bank of Brookhaven	Brookhaven, MS	$262M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bank of Deerfield	Deerfield, WI	$268M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Cayuga Lake National Bank	Union Springs, NY	$274M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Clackamas County Bank	Sandy, OR	$266M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Commercial State Bank	Wausa, NE	$264M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Davis Trust Company	Elkins, WV	$275M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Farmers and Merchants State Bank	Winterset, IA	$272M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
First Bank of Manhattan	Manhattan, IL	$266M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First National Bank of Steeleville	Steeleville, IL	$275M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Iowa State Savings Bank	Creston, IA	$277M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Jim Thorpe Neighborhood Bank	Jim Thorpe, PA	$265M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Mediapolis Savings Bank	Mediapolis, IA	$270M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Mission National Bank	San Francisco, CA	$276M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Old Glory Bank	Elmore City, OK	$277M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Patriots Bank	Garnett, KS	$269M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Reliance State Bank	Story City, IA	$277M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Success Bank	Bloomfield, IA	$277M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Apple Creek Banking Company	Apple Creek, OH	$271M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The First National Bank and Trust Company of Broken Arrow	Broken Arrow, OK	$269M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
The First National Bank of Dennison	Dennison, OH	$267M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft
Wells River Savings Bank	Wells River, VT	$267M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Wyoming Community Bank	Riverton, WY	$262M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 15 publish this fee(monthly maintenance)

10 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $0.75 (12%) below the median of similar-sized banks.

Compared at $5.50, the middle of its four prices, against a peer median of $6.25 among 15 publishing peers.

Its four checking prices are $4, $5, $6 and $7.

$5.50 is a comparison price, not a fee anyone is charged.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026.

Monthly maintenance fee in dollars, one mark per institution

South Georgia Bank: an account price on its scheduleIts comparison price, the middle of its prices: not a fee anyone is chargedPeer (equal prices stack)Peer medianInclude $19 outlierShown past the axis break, not to scale, so the rest of the set has room.

Against this institution's monthly maintenance fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for South Georgia Bank (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $173K
vs prior quarter: −$1K−0.6%; from Q1 2026
vs a year earlier: +$20K+13.1%; from Q2 2025
vs start of range: −$12K−6.5%; from Q3 2024

Details

Source: FDIC BankFind Suite (call report data)
Entity: South Georgia Bank (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: One quarter, as reported
Fields: ISERCHGQ
Retrieved: Oct 24, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$173K	−$1K	−0.6%
Q1 2026	$174K	−$9K	−4.9%
Q4 2025	$183K	+$2K	+1.1%
Q3 2025	$181K	+$28K	+18.3%
Q2 2025	$153K	+$4K	+2.7%
Q1 2025	$149K	−$7K	−4.5%
Q4 2024	$156K	−$29K	−15.7%
Q3 2024	$185K	+$22K	+13.5%

Service-charge share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from South Georgia Bank’s own schedules, with a source for each figure.

Account Maintenance

Now Non-Personal Account service charge ($0.00 – $999.99 balance)$7
per month
Now Non-Personal Account service charge ($1,000.00 – $1,499.99 balance)$5
per month
Service Charge$6
Service Charge (SGB Basic Checking) (audience not stated, treated as personal)$4
per month
Dormant Accounts (fee per month)$5
per month
Account Balancing Assistance (per visit)$25
Account Research, per Hour (Min. $10.00)$50
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

NSF Paid Item Overdraft Fee$33
NSF Return Item Fee$33

ATM & Card

ATM Service Charge$1
Foreign ATM charge (audience not stated, treated as personal)$1
per transaction
Debit Card Replacement Fee$10

Wire Transfers

Wires – Domestic$25
Wires – International$75

Check Services

Cashier’s Checks (Customers Only)$3
Counter Checks (10 pack)$5
Collection Fee$25

Cash & Deposit

Night Deposit Lost Key$25

Account Services

Drilling Safe Deposit Box$60
Not compared: Box drilling or key fee
Duplicating Safe Deposit Box Key (per key)$25
Not compared: Box drilling or key fee
per item
Late Fee for Safe Deposit Box Rental$20
Not compared: Box drilling or key fee
Safe Deposit Box 10″x10″ Annual Rate$110
per year
Safe Deposit Box 3″x10″ Annual Rate$50
per year
Safe Deposit Box 3″x5″ Annual Rate$30
per year
Safe Deposit Box 5″x10″” Annual Rate$80
per year
Safe Deposit Box 5″x5″ Annual Rate (Hinesville Only)$40
per year
Levy or Garnishment Fee$100

Fee	Amount	Basis	Note
Account Maintenance
Now Non-Personal Account service charge ($0.00 – $999.99 balance)	$7	per month	None
Now Non-Personal Account service charge ($1,000.00 – $1,499.99 balance)	$5	per month	None
Service Charge	$6	Not stated	None
Service Charge (SGB Basic Checking) (audience not stated, treated as personal)	$4	per month	None
Dormant Accounts (fee per month)	$5	per month	None
Account Balancing Assistance (per visit)	$25	Not stated	None
Account Research, per Hour (Min. $10.00)	$50Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
NSF Paid Item Overdraft Fee	$33	Not stated	None
NSF Return Item Fee	$33	Not stated	None
ATM & Card
ATM Service Charge	$1	Not stated	None
Foreign ATM charge (audience not stated, treated as personal)	$1	per transaction	None
Debit Card Replacement Fee	$10	Not stated	None
Wire Transfers
Wires – Domestic	$25	Not stated	None
Wires – International	$75	Not stated	None
Check Services
Cashier’s Checks (Customers Only)	$3	Not stated	None
Counter Checks (10 pack)	$5	Not stated	None
Collection Fee	$25	Not stated	None
Cash & Deposit
Night Deposit Lost Key	$25	Not stated	None
Account Services
Drilling Safe Deposit Box	$60Not compared: Box drilling or key fee	Not stated	None
Duplicating Safe Deposit Box Key (per key)	$25Not compared: Box drilling or key fee	per item	None
Late Fee for Safe Deposit Box Rental	$20Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 10″x10″ Annual Rate	$110	per year	None
Safe Deposit Box 3″x10″ Annual Rate	$50	per year	None
Safe Deposit Box 3″x5″ Annual Rate	$30	per year	None
Safe Deposit Box 5″x10″” Annual Rate	$80	per year	None
Safe Deposit Box 5″x5″ Annual Rate (Hinesville Only)	$40	per year	None
Levy or Garnishment Fee	$100	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Oct 26, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Fee change alerts

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