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Small business loans are our specialty. Local decisions and quick response time sets us apart from other lenders. South Georgia Banking Company specializes in equipment loans, short-term working capital needs, lines of credit and fixed asset expansion.

If you think it’s hard for your lender to understand your business unless he sees your operation in action, we agree. That’s why our lenders come to your place of business to learn more about your goals and day-to-day operations. We view working with business clients as a way to invest in the health of your business and in our community.

Digital Banking

Access your account 24 hours a day from home, work or on the road with our online services. Monitor your accounts, transfer funds and pay your bills - with just a few clicks.


Our checking accounts are designed to meet the needs of our customers. Find the one that is your perfect fit.


Offering a variety of interest bearing savings accounts to enable you to save - and at the same time, have easy access to your money.


Local lenders, local decisions, and flexible-terms set us apart from other lenders. Give us a chance to earn your business.

Merchant Services

Providing the equipment and services needed to process MasterCard, Visa and Discover credit and debit card transactions.

Additional Services

As you would expect, we also provide Safe Deposit Boxes, Telephone Banking, Overdraft Protection and other convenience services.

For procedural information about opening or changing an account, read the USA PATRIOT Act required by all financial institutions.