Bank · FDIC insured
Northeast Georgia Bank
A $650.6M bank headquartered in Lavonia, GA, with 9 branches in Georgia.
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Northeast Georgia Bank
Founded in 1906 as Vickery National Bank in Lavonia, Georgia, Northeast Georgia Bank traces its origins to community banking in the region.
Renamed First National Bank of Lavonia in 1909, the institution was re-chartered as a State Bank and named Northeast Georgia Bank in 1940.
Acquired by the Whitworth family in 1968, the bank modified its ownership structure in 1983 by establishing the holding company First Security Bankshares, Inc.
Headquartered in Lavonia, the bank operates 11 offices across six counties, including Franklin, Hart, Elbert, Stephens, Banks, and Jackson.
- Headquarters
- 12461 Augusta Rd, Lavonia, GA 30553
- FDIC certificate
- 15771 ↗
Branches
9 branches in Georgia
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Georgia
9 branches
Lavonia area · 1
- Northeast Georgia BankMain office12461 Augusta Rd, Lavonia, GA 30553Directions
Braselton area · 1
- Braselton Branch5045 Highway 53, Braselton, GA 30517Directions
Carnesville area · 1
- Carnesville Branch9535 Lavonia Rd, Carnesville, GA 30521Directions
Commerce area · 1
- Commerce Branch30990 Highway 441 S, Commerce, GA 30529Directions
Elberton area · 1
- Elberton Branch916 Elbert St, Elberton, GA 30635Directions
Hartwell area · 1
- Hartwell Branch331 E Franklin St, Hartwell, GA 30643Directions
Jefferson area · 1
- Jefferson Branch1775 Old Pendergrass Rd, Jefferson, GA 30549Directions
Royston area · 1
- Royston Branch155 Franklin Springs St, Royston, GA 30662Directions
Toccoa area · 1
- Toccoa Office Branch56 Stephen Cir, Toccoa, GA 30577Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 13.41% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.01% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 2.59% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $60 | $81 | — |
- CapitalLeverage ratio13.41%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.01%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets2.59%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$60Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Northeast Georgia Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.