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Southwest Georgia Financial Corp. is a Georgia bank holding company. It is community-oriented and offers such customary banking services as consumer and commercial checking accounts, now accounts, savings accounts, certificates of deposit, lines of credit, VISA business accounts, and money transfers. The Bank finances commercial and consumer transactions, makes secured and unsecured loans, and provides a variety of other banking services. The company operates its business through five reportable business segments: Retail & Commercial Banking Services, Commercial Mortgage Banking Services, Insurance Services, Trust & Retail Brokerage Services, and Financial Management Services. The Retail & Commercial Banking Services segment serves consumer and commercial customers by offering a variety of loan and deposit products, and other traditional banking services. The Commercial Mortgage Banking Services segment originates and services commercial mortgage loans on properties that are located throughout the southeastern United States. This segment does not directly fund any mortgages and acts primarily as a servicer and broker for participating mortgage lenders. The Insurance Services segment offers clients a full spectrum of commercial and personal lines insurance products, including life, health, property, and casualty insurance. The Trust & Retail Brokerage Services segment provides personal trust administration, estate settlement, investment management, employee retirement benefit services, and the individual retirement account administration. This segment also offers full-service retail brokerage which includes the sale of retail investment products, including stocks, bonds, mutual funds, and annuities. The Financial Management Services segment is responsible for the management of the investment securities portfolio. It is also responsible for managing financial risks, including liquidity and interest rate risk. Southwest Georgia Financial was founded in 1980 and is headquartered in Moultrie, GA.
|George DeWitt Drew||President, Chief Executive Officer & Director|
|George R. Kirkland||CFO, CAO, Treasurer, SVP & Head-Investor Relations|
|John J. Cole||Director & Executive Vice President|