At a glance
From its website, read 2 Nov 2026South Georgia Banking Company is a bank or thrift based in Tifton, Georgia. Its website describes farm loans, auto loans, commercial real estate loans and 5 other loan types. You can start an application online.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Toll-free | (877) 482-4211 source |
|---|---|
| Apply online | Page with the application link |
| Website | www.sgbconline.com |
| Office (official list) | PO Box 1505, Tifton, GA 31793 |
What their website says about applying
Start with one of our free prequalification kits to better understand your options and estimate what you can afford.
sourceGet started today! Access your mortgage application here.
sourceLet us help you streamline the application process. Connect with one of our lending specialists today.
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Bank or thrift |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 19 Oct 2026 |
| RSSD ID | 767732 |
| Address | PO Box 1505, Tifton, GA 31793 Directions to the main office (Google Maps) |
| Website | www.sgbconline.com |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: high. The pages state no loan amounts and no explicit service area or borrower eligibility rules. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Agriculture / farm loans | — | Expand your operation with financing for farmland purchases and development. | source |
| Auto / vehicle loans | — | From auto loans to personal expenses, we offer both installment loans and single-pay loans to fit your needs. | source |
| Commercial real estate loans | — | Whether you’re looking to purchase, expand, or refinance commercial properties, our local lenders are dedicated to supporting your success. | source |
| Equipment loans | — | Finance new or used equipment for a variety of industries. | source |
| Home mortgages | — | Whether you’re a first-time homebuyer, refinancing your current mortgage, or need a construction loan, we offer personalized service from application to closing. | source |
| Personal / consumer loans | — | We partnered with Quilo to offer quick and convenient personal loans through a fully online platform. | source |
| SBA-backed loans (7(a)/504/Community Advantage) | — | If you’re looking for a smart solution that offers long-term, fixed-rate financing, then an SBA 504 loan might be right for your business. | source |
| Small-business loans | — | Small businesses are our specialty! Contact us today to learn more about an Operating Line of Credit that works for you. | source |
Loan sizes
No amounts stated on the pages we read.
Service area
Not stated on the pages we read.
Borrower focus
- Not stated on the pages we read.
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. Fast Approval: Apply online and receive a decision in minutes.
source
Pages read (7)
- https://www.sgbc.bank
- https://www.sgbc.bank/personal/personal-lending/
- https://www.sgbc.bank/personal/personal-checking/
- https://www.sgbc.bank/resources/digital-services/
- https://www.sgbc.bank/resources/banking-services/
- https://www.sgbc.bank/business/business-deposit-accounts/
- https://www.sgbc.bank/business/business-lending/
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- Do you lend where I live, or where my business is?
Their website does not say which area they serve. - What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your auto loans and home mortgages?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - What interest rate and fees should I expect on your farm loans and commercial real estate loans?
Their website does not state a rate for this. - Is there a minimum credit score, and do you consider borrowers with little or no credit history?
Their website does not say what credit history they accept. - Do you need collateral, a business plan or a minimum time in business?
Their website does not say what they require. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$7 million in 8 awards from the U.S. Treasury's CDFI Fund, 2019–2024 (4 programs).
| Round year | Program | Amount |
|---|---|---|
| 2024 | Bank Enterprise Award Program | $119,847 |
| 2023 | Bank Enterprise Award Program | $437,350 |
| 2022 | CDFI Equitable Recovery Program | $3,718,258 |
| 2022 | Small Dollar Loan Program | $271,988 |
| 2021 | Bank Enterprise Award Program | $170,699 |
| 2021 | CDFI Rapid Response Program | $1,826,265 |
| 2020 | Bank Enterprise Award Program | $202,898 |
| 2019 | Bank Enterprise Award Program | $245,547 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
FDIC, 30 Jun 2026On file with the FDIC as South Georgia Banking Company (FDIC cert 20198). Source: FDIC BankFind Suite (public data): total assets from the Call Report as of 30 Jun 2026; office list as of 30 Oct 2026, downloaded 3 Nov 2026.
| Total assets | $570.1 million (as of 30 Jun 2026) |
|---|---|
| Offices | 8 (as of 30 Oct 2026) |
Offices by state and county (8)
Georgia (8 offices)
- Colquitt County (1): 410 Lane St, Moultrie 31768
- Crisp County (1): 702 S Pecan St, Cordele 31015
- Dooly County (1): 210 S 3rd St, Vienna 31092
- Tift County (3): 5515 Alabama Ave, Omega 31775 (main office); 2005 Tift Ave N, Tifton 31794; 725 2nd St W, Tifton 31794
- Turner County (1): 561 E Washington Ave, Ashburn 31714
- Worth County (1): 603 N. Main St., Sylvester 31791
An office shows where the lender has a branch, not where it lends or whom it lends to.
What the regulator filing shows
Call Report, 30 Jun 2026Figures from the Call Report filed by South Georgia Banking Company (RSSD 767732, FDIC cert 20198). Source: FFIEC Central Data Repository, bulk Call Report data (public data), report date 30 Jun 2026; year-earlier figures from the 30 Jun 2025 report; downloaded 4 Nov 2026. Schedules RC-C Parts I and II, dollar amounts filed in thousands.
| Total loans and leases | $398.9 million (as of 30 Jun 2026, net of unearned income) |
|---|---|
| Change over the year | Up 13.2% from $352.3 million on 30 Jun 2025 |
| Total assets | $570.1 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| Home mortgages (1-4 family, closed-end) | $66.2 million | 16.6% |
| Home equity lines of credit | $9.3 million | 2.3% |
| Commercial real estate, construction and multifamily | $174.1 million | 43.6% |
| Commercial and industrial (business) loans | $24.9 million | 6.2% |
| Farmland and farm production loans | $92.8 million | 23.3% |
| Consumer loans (credit cards, auto, other) | $17.2 million | 4.3% |
| All other loans and leases | $14.5 million | 3.6% |
Within consumer loans: auto loans $3 million.
Small business loans (original amount $1 million or less, balances on 30 Jun 2026)
| Original loan amount | Secured by business property | Commercial and industrial |
|---|---|---|
| Up to $100,000 | 100 loans $4.1 million | 346 loans $7.5 million |
| $100,001 to $250,000 | 87 loans $10.7 million | 40 loans $4.6 million |
| $250,001 to $1 million | 97 loans $35.8 million | 19 loans $6.9 million |
| All small business loans | 284 loans $50.5 million | 405 loans $18.9 million |
Small farm loans (original amount $500,000 or less, balances on 30 Jun 2026)
| Original loan amount | Secured by farmland | Farm production |
|---|---|---|
| Up to $100,000 | 106 loans $3.1 million | 125 loans $3 million |
| $100,001 to $250,000 | 78 loans $9.6 million | 46 loans $4.2 million |
| $250,001 to $500,000 | 61 loans $13 million | 14 loans $2.7 million |
| All small farm loans | 245 loans $25.7 million | 185 loans $9.8 million |
Balances are loans outstanding on the report date, not loans made during the year, and they include loans the bank bought. Shares are of gross loans and leases. The change over the year includes loans gained through mergers or bought from others. A category with no balance does not mean the bank never makes that kind of loan; ask the bank.
Home loans reported under HMDA (2025)
FFIEC HMDA data, 2025South Georgia Banking Company reported 141 originated home loans for 2025 under the Home Mortgage Disclosure Act, totaling about $16.6M (median loan about $75,000). 42 were home-purchase loans.
By loan purpose
| Purpose | Loans | Share |
|---|---|---|
| Home purchase | 42 | 30% |
| Refinance (incl. cash-out) | 89 | 63% |
| Home improvement | 8 | 5.7% |
By loan type
| Loan type | Loans | Share |
|---|---|---|
| Conventional | 141 | 100% |
Included above: 30 loans on manufactured homes; 10 loans on multifamily (5+ unit) properties.
Where the loans were made
Counties with the most 2025 originations, out of 19 counties with at least one; 99% of its 2025 loans were for properties in Georgia:
- Tift County, GA (53)
- Colquitt County, GA (18)
- Crisp County, GA (17)
- Worth County, GA (16)
- Turner County, GA (11)
- Dooly County, GA (7)
Filed under LEI 5493008P3PCRZRS39T50 as “South Georgia Banking Company”; matched by its RSSD ID on the CDFI Fund list, which the HMDA reporter panel links to this LEI.
Source: FFIEC Home Mortgage Disclosure Act (HMDA) data for 2025, snapshot frozen 2 Jun 2026, loan-level records read through the CFPB HMDA Data Browser API on 3 Nov 2026. Originated loans only; applications that were denied, withdrawn or not accepted are not counted. HMDA publishes each loan amount as the middle of a $10,000 band, so totals and medians are approximate. Counts under 3 are not shown. How we match lenders.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $570.1 million | Larger than 60% of the 10 other certified banks and bank holding companies in Georgia (median $188.1 million). |
| Loans as a share of assets | 70% | Median of the same 10 banks and bank holding companies: 59%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $352.3 million → $398.9 million (+13%) | Median change of 10 other certified banks and bank holding companies in Georgia: +4%. Rank by loans held among these 11: 4 → 3. |
| Home loans originated in 2025 (HMDA) | 141 | More than 57% of the 263 other certified CDFIs that reported 3 or more (119 at the median). Volume only; nothing here is an approval rate. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified banks and bank holding companies in Georgia | 10 | larger than 60% |
| Loans held then vs now | certified banks and bank holding companies in Georgia reporting both dates | 10 | rank 4 → 3 of 11 |
| HMDA home loans | certified CDFIs with 3+ originations in 2025, nationwide | 263 | more than 57% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section). Home loans: FFIEC/CFPB HMDA data.
SBA loans approved
SBA data as of 30 Sep 2026The SBA's public loan data lists 1 SBA-backed approval for South Georgia Banking Company in fiscal years 2020–2026 (October 2019 to September 2026):
- 1 504 projects as the third-party (first-lien) lender
By fiscal year: FY2020 0 · FY2021 0 · FY2022 0 · FY2023 0 · FY2024 0 · FY2025 1 · FY2026 0.
By program
- 504 projects (as the third-party lender) (1, 100%)
How this lender was matched in the SBA files: 504 third-party lender name: same name, state and city (SBA lists “South Georgia Banking Company”).
Approved is not the same as paid out: an approved loan can be reduced or never drawn. SBA lists the lender each loan is currently assigned to, which can differ after a merger or loan sale. South Georgia Banking Company may also make loans outside SBA programs, which are not counted here, and SBA Microloans are not in these files. For 504 projects, the CDC amount is the SBA-backed portion and the third-party lender amount is that lender's own first-lien loan.
Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data, files as of 30 Sep 2026, downloaded 3 Nov 2026. Our counts, cancelled approvals left out. How we match lenders.
Other certified CDFIs in Tifton and Georgia
- South Georgia Bank Holding CompanyBank holding company · Tifton, GAOfficial list only
- Access to Capital for Entrepreneurs, Inc.Loan fund · Cleveland, GACommercial real estate loans, Microloans, Small-business loansVerified
- Albany Community Together, Inc.Loan fund · Albany, GAMicroloans, Small-business loansVerified
- Bank of CamillaBank or thrift · Camilla, GAAgriculture / farm loans, Auto / vehicle loans, Commercial real estate loans, Home repair / improvement loans…Verified
- Catalyst Development CORPORATIONLoan fund · Savannah, GAMicroloansVerified
- Citizens Trust BankBank or thrift · Atlanta, GAAuto / vehicle loans, Home mortgages, Personal / consumer loansVerified
Work at South Georgia Banking Company? Link to this page
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