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General News & Events

In addition to the support we provide in our individual communities, we also make an effort to support larger, more global endeavors that involve ALL of our branches.

Community Impact: CDFI Certification Means Accessible Personal and Business Loans

Being one of only four banks in Georgia that is CDFI-certified is one way South Georgia Banking Company lives the bank’s commitment to community impact. Banks with the Community Development Financial Institution (CDFI) designation have a mission of community development, focusing on the underserved communities, and striving to improve the social and economic conditions in their service area.

The goal of CDFI is to expand economic opportunity in low-income communities by providing access to financial products and services for local residents and businesses. Why this is a big deal: Because South Georgia Banking Company has a focus on serving financially distressed areas, the bank is designated as a CDFI certified institution which means SGBC is able to process loans for people and businesses who may not otherwise qualify, leading to more opportunities and improved lives.

“We believe investing in local businesses and local residents by providing opportunities to grow and improve their quality of life is part of our mission as a community bank,” said Sam McCard, president of South Georgia Banking Company. “The CDFI certification aligns with our values and provides the financial structure for our bank to work with people and businesses who may not otherwise qualify for loans.”

In addition to being able to provide business and personal loans with CDFI backing, South Georgia Banking Company delivers quick decisions on loans for all customers.  “Because our loan decisions are made by our local team, our process is streamlined from start to finish,” said McCard.

South Georgia Banking Company has locations in Omega, Tifton, Moultrie, Ashburn, Cordele, Vienna and Sylvester. Learn more at SGBCOnline.com.

South Georgia Banking Company is proud to support community and our teams!  From personal finances and small business management to winning football games, we are here to invest in your success every step of the way!  Our Cordele location recently sponsored a meal for the Crisp Academy Football team.  Pictured here are the SENIOR football players with SGBC City President, Chris McCard.  Go Wildcats!!

South Georgia Banking Company does not make it a practice to comment on politics, legislation, or any other matters in Washington, DC. However, we feel compelled to inform our customers about a troubling proposed provision buried in the American Families Plan that would impact your financial privacy.


The provision would require all financial institutions to report the inflows and outflows of all personal and business accounts to the IRS. South Georgia Banking Company, along with other banks, would be under federal mandate to report this information on every account to the IRS.


Banking relationships have always been protected by a level of privacy, which is currently required by federal and state laws. The proposal in question would be in direct conflict with existing privacy regulations and furthermore, would provide previously confidential information and personal data directly to the IRS.


If there is one thing that brings us to agreement in a world full of controversy, it just may be that this provision is intrusive and creates a clear invasion of privacy. We are contacting our legislators to express our extreme concern about the negative repercussions of this proposed provision. If you would like your voice to be heard, we strongly encourage you to contact your legislators and let them know this provision should be struck from the American Families Plan.


South Georgia Banking Company is committed to our customers and our communities; we believe this provision is too far-reaching and detrimental to individuals, families, and businesses. To contact your legislators, use the contact information below or click here


Raphael Warnock, US Senator, Georgia

Email: warnock.senate.gov/contact/contact-form/

Atlanta Office: 770.694.7828

DC Office:202.224.3643


Jon Ossoff, US Senator, Georgia

Email: ossoff.senate.gov/contact/contact-form/

Atlanta Office: 470.786.7800

DC Office:202.224.3521


Austin Scott, US Congressman, Georgia, 8th District

Email: austinscott.house.gov/contact

Tifton Office: 229.396.5175

DC Office: 202.225.6531


Sandford Bishop, US Congressman, Georgia, 2nd District

Email: bishop.house.gov/contact

Albany Office: 229.439.8067

DC Office:202.225.3631

Melissa Johnson is the assistant head teller at South Georgia Banking Company’s Moultrie location and has been a part of the team since the branch was built 21 years ago. She is known for her infectious positivity and happy personality - not to mention the way she always makes herself available to assist customers and coworkers.

“We are very proud to have Melissa on our team,” says branch manager, Tonia Nesbitt. “She lends many hands to all of her coworkers and always has a great attitude. Customers will wait in line (doesn’t matter how long) just so she can help them with their banking needs!”

In her spare time, Melissa enjoys spending time with her husband, Kyle, and daughters, Kylie and Parker. She also loves fishing, tubing, canning vegetables, and front porch sitting with friends and family.

While Melissa isn’t a fan of being in the spotlight, (this one or any other spotlight ;0), SGBC places a priority on recognizing those who go above and beyond for our customers, so we didn’t want to miss the chance to recognize her for a job well done! Stop by our Moultrie branch and say hello to Melissa and the entire SGBC team.

Mindy Layfield has a passion for helping others. She is the Head Teller at our Ashburn branch and enjoys everything about her job simply because her role encompasses what she loves to do – motivate and encourage others. Mindy excels in cash handling, customer engagement and training employees at South Georgia Banking Company.

“Training is very special to me,” Mindy tells. “I enjoy being a hands-on trainer because I’m able to motivate co-workers to be confident in themselves and their roles, which in return produces outstanding representatives of our bank.” Although training holds a special place in Mindy’s heart, building relationships and serving customers through the teller window makes her job all the more enjoyable. Some of her favorite memories of working at South Georgia Banking Company involve conversations with customers.

Mindy is known for being honest, caring and having a sense of humor. Outside of work, you can find Mindy enjoying time with family and friends, spending time outdoors, shopping, or thrifting. Mindy and her husband, David, are always on-the-go raising four boys – her pride and joys!

“My goal in this position is to strengthen customer relations to be the best they can possibly be,” says Mindy. South Georgia Banking Company places a premium on staff members like Mindy, who demonstrate daily what truly sets us apart. Stop by our Ashburn branch soon and say hello to Mindy and the rest of the team!

Community Impact: Local Businesses Benefit from PPP via SGBC


It’s no secret many businesses took a hit thanks to COVID. From completely shutting down, scaling back services, or going online to difficulties around staffing due to employees or their families testing positive, there have been no shortage of challenges faced by businesses due to COVID.

The Payroll Protection Program (PPP) offered welcome relief, but many businesses found roadblocks or a lack of engagement at their bank. Not at SGBC. Our commitment to community impact drove our team to streamline the process and work with not only our customers, but also with businesses who banked elsewhere but couldn’t get the help they needed. The result? 1,102 PPP Loans were processed by South Georgia Banking Company.

“Not only did our staff help existing business customers apply for PPP loans, they were able to assist many businesses who encountered unenthusiastic responses from their own banks,” said Sam McCard, president of South Georgia Banking Company. “I’m so proud of the way our lenders jumped in with both feet to learn how to best process PPP loans and stayed on top of the ever-changing rules and guidelines. They understood the how critical PPP assistance was to our local businesses and did everything in their power to process the applications so these people could keep the doors open.”

South Georgia Banking Company’s commitment to community impact came to full fruition during the different rounds of the PPP program.  “We had the opportunity to truly serve our customers and businesses in our area by fully embracing PPP and developing an internal structure around the guidelines to meet the needs of our community.”

South Georgia Banking Company has locations in Omega, Tifton, Moultrie, Ashburn, Cordele, Vienna and Sylvester. Learn more at SGBCOnline.com.