SOUTHWEST GEORGIA FINANCIAL CORP

SOUTHWEST GEORGIA FINANCIAL CORP

Southwest Georgia Financial Corp. operates as a state-chartered commercial bank rooted in Georgia’s community banking sector, offering traditional deposit accounts, business lending, mortgage services, and cash-management solutions designed for small to mid-sized businesses and local residents that rely on high-touch regional banking expertise; as a member of the State Commercial Banks SIC group it competes on personalized service and local decision-making against larger regional banks while navigating Federal Reserve oversight, capital adequacy requirements, and evolving consumer protection rules, so material risks include credit concentration in agricultural or real estate cycles, interest-rate sensitivity, and compliance with ever-shifting banking regulations driven by federal and state agencies; the most recent disclosure is a Form 10-Q filed in November 1999, underscoring the importance of monitoring ongoing filings for current financial and operational insight, and you can view live SEC filings for this issuer on Earnings Feed.