Dec. 4, 2020  

FDIC Quarterly Banking Update

Gains Posted in Loans, Deposits, Assets in Q3

Performance at Georgia’s 155 FDIC-insured banks during the third quarter continued to regain some momentum from earlier in the year, with loans increasing by 15%, deposits up 20% and total assets up by 16% compared to the same period in 2019. FDIC data released this week showed that during the third quarter, Georgia’s banks earned $504.5 million, an increase of 12.7 percent compared to the third quarter 2019. For the first nine months of the year, the same banks earned $612.8 million, off the pace from the three-quarter total from 2019 by 55.7%, which was not unexpected, and reflect the extraordinary measures taken for customers and banks reserving more funds to protect against future losses earlier in the year. Nonperforming loans as a percentage of total loans were at 0.75%, unchanged from the prior quarter end and only up slightly from the same time a year ago. “Throughout 2020, Georgia’s banks and bankers have shown resilience in a challenging economy. The headwinds facing them and their communities have been strong, but the performance shows they were well prepared to serve as financial-services first responders to the pandemic,” said Joe Brannen, president and CEO, Georgia Bankers Association, in a statement about the results to statewide media. “Heading into year-end I’m mostly optimistic because there’s plenty of capacity in our state’s banking system to make loans and provide other services to support the state’s economy. However, as the pandemic has persisted, there are a host of challenges we know bank customers continue to face." Our analysis is only of the 155 banks chartered in Georgia, so it doesn’t include data for banks doing business in Georgia that are headquartered elsewhere. Nationally trends were similar, with earnings and deposits improving, although total loan balances declined. Additional details are below.


Year-to-date through
reporting pd.

Georgia Banks

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Georgia Banks

$ in 000s


$ in 000s

Number of institutions








Total assets




Other real estate owned




Total deposits




Noncurrent loans to loans




Total loans and leases




Net income




Net charge-offs to loans




% of profitable institutions




% of institutions with earnings




Net interest margin




Return on assets (ROA)




Return on Equity (ROE)





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Dept. of Revenue Shares Changes for Tax Filing Requirements

The Georgia Department of Revenue (DOR) hosted a webinar Thursday for the GBA Bank Accountant Board of Directors to make tax preparers aware of changes the DOR is making to the filing requirements for Georgia Form 900, Business Occupation Tax Return (BOT). Effective Jan. 1, 2021, all BOTs that are required to be filed by March 1, 2021, will have to be filed electronically through the Georgia Tax Center's (GTC) website. Any occupation taxes owed on the BOTs will also be required to be paid electronically through the GTC as well. Banks will be required to enter certain information on the GTC's website (information similar to what would normally be contained on the Georgia Form 900 in the past) and it will then calculate the tax owed. There is no change being made to how the tax is calculated, but only on how the BOT returns will be required to be filed and how any amounts owed will be paid. There are no changes to the Form PT440s that are required to be filed with the cities and counties, as a hard copy of these will still be mailed to each city and county along with a check for any amounts owed, just like has been done in the past. The goal of the DOR in making the changes in how BOT returns are to be filed is to automate the process so that the tax credits generated from these returns can be allocated out to the end users of these credits in a more efficient and timely manner. The DOR did note during the webinar that all of these proposed changes have not been completely finalized and approved as of now, but they anticipate they will all be completed and finalized by year end. The DOR also indicated that they would be putting out additional information soon on how to get registered and use the GTC website, as well as more information about the changes to the BOT process for 2021. So, stay tuned and you may even want to consider reaching out to your BOT tax preparer to make sure you have a plan for how to address these new filing requirements.  


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Support for Perdue and Loeffler

We have joined with the American Bankers Association as a sponsor of an ad being run in several media markets supporting the re-election of Sen. David Perdue. Click here for a press release about the ad and there’s a link to the ad in the release. ABA is covering all the costs for the ad. For six years, Sen. Perdue has been an effective member of the Senate Banking Committee. He was one of the authors of S. 2155, the only bipartisan bill that’s passed Congress amending the Dodd Frank Act giving community banks regulatory relief. He also worked tirelessly to deliver federal disaster aid to our farmers, businesses and families devasted by Hurricane Michael. There are countless other examples where he’s been helpful. Sen. Kelly Loeffler has also earned our support and the GBA Federal Political Action Committee is making a significant contribution to her campaign to the serve the two-years remaining on the term of former Sen. Johnny Isakson. Upon her appointment, Sen. Loeffler joined the Senate Agriculture Committee that has jurisdiction over legislation affecting Georgia’s largest industry. She has worked hard to ensure farmers qualified for SBA’s Economic Injury Disaster Loans and has been an important voice for Georgia producers to receive their fair share of payments related to trade negotiations. Her efforts helped farmers bridge gaps so they could continue working with their traditional lenders to receive much needed production financing.


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David Scott Elected U.S. House Ag Committee Chair

Congratulations to Georgia U.S. Rep. David Scott (D-GA13) who was elected by the House Democrat caucus as next year’s chairman of the House Agriculture Committee. The current chairman was defeated in his reelection effort this year and Rep. Scott was the most senior member of the committee after him. He was challenged for the role by a California colleague but the Democrat steering committee gave Scott the nod. Rep. Scott has been one of the most bipartisan members of the House Financial Services Committee and has often sponsored or supported issues important to our members while bringing other Democrats along.


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Member Profile – Stacy Brantley

Good Fences Make Good Bankers

Stacy Brantley’s first paying job was installing fences for his neighbor’s company. It’s a job, he says, that taught him a good work ethic but also reinforced his motivation to go to college. Brantley is now executive vice president and chief banking officer for Morris Bank, and he chairs GBA’s Credit Committee. Read this week’s member profile of Brantley for more about this “regular guy” and part-time little league umpire who loves the relationship focus of community banking. Here’s the story…


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Countdown to Credit Conference

Get the scoop on the most up-to-date credit intel at GBA’s Credit Conference Dec. 10-11. The all-star program includes updates on housing, CRE, agribusiness, overall portfolio management, the economy and much more. There’s still time to register, and there are ways for many at the bank to participate. The options are:

  • In-Person PLUS All-Access Virtual Pass – This option allows one person to attend in person but adds an affordable way for everyone else at the bank to attend one or more of the sessions from their office or remote work site. $495.


  • All-Access Virtual Pass – One registration price gets you a pass to share with everyone at the bank to see one or more of the streamed sessions wherever it is most convenient. $495

Single-person registrations for in-person and virtual attendance are also available at $395 per person. See all the details and access registration here. With questions, contact Alison Moreau, 404.420.2034.


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Ag Committee Talks Crops, Prices, Conference Planning

GBA’s Agriculture Committee met this week in Macon to compare notes about agribusiness conditions and share ways to navigate challenges facing our farmers and producers in order to be a source of strength for them. They also began planning their annual conference next May. Committee Chair Adam Smith, SunTrust Bank, Douglas, and Vice Chair Nic Worthy, Colony Bank, Rochelle, led the discussion. Members reported that this year’s peanut crop was lower than expected while cotton production was good, but the quality suffered a blow when Hurricane Sally came through dumping 6 inches of rain in the prime growing areas. Prices are relatively strong for both crops. We’re among the top states in the U.S. in pecan production and although we lost thousands of trees to Hurricane Michael, this year’s crop is good although prices are depressed. We’re the number one state in timber production and we heard reports that the mills have been overwhelmed getting supplies back to pre-pandemic levels, but are making progress. Corn producers are having a good year as is the poultry industry. With an increased focus on buying local, the committee gave a big shout-out to Georgia Ag Commissioner Gary Black and the Georgia Department of Agriculture for helping growers repurpose delivery of various crops and other goods destined for schools, restaurants and others affected by shutdowns and many reported a shortage of local abattoirs to process livestock being grown for local interests. The 2021 Rural Development and Lending Conference will be May 20-21 at the King and Prince Hotel on St. Simons. Mark your calendars and look for program details and registration information soon. With questions, contact Alison Moreau, 404.420.2034.


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SBA Releases PPP/EIDL Data with Borrower Info

In response to a court order arising from litigation filed against the agency by a consortium of media companies, SBA Tuesday released loan and advance level data on all Payroll Protection Program (PPP) loans, Economic Injury Disaster Loans and Economic Injury Disaster Loan Advances. The data include the names and specific loan amounts for borrowers. The Georgia data is contained in the folders accessed through the above link beginning with 02. A key message for Georgia bankers is that banks played no role in the release of this data. Banks and borrowers may review the data for accuracy and are encouraged to contact SBA if there are inaccuracies. The agency provided a form at this link to request an update to PPP loan information. Concerns about publicly released EIDL data may be sent to


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Agencies Urge Libor Transition

Federal bank regulators this week issued a joint statement encouraging banks to transition away from using U.S. dollar (USD) LIBOR as soon as practicable. The administrator of LIBOR will phase out publication of the various rates from Dec. 31, 2021, to June 30, 2023. The agencies encouraged banks to not use LIBOR as a reference rate in any contracts after Dec. 31, 2021, and contracts before that time should have either a reference rate other than LIBOR or have robust fallback language that includes a clearly defined alternative reference rate after LIBOR’s discontinuation. GBA’s Bank Counsel Section Board, chaired by Reggie O’Shields, FHLB-Atlanta, is working on this issue related to some legislation that may be required for contract language. We’re working with our colleagues around the country to ensure state-level language remains as consistent as possible. Since most LIBOR-related contracts are based on New York State law, we will be watching closely what their legislature does. Look for more detail about that as we head into the General Assembly session in January if the decision is made to move forward in 2021 or wait for more clarity to approach the issue in the 2022 session.


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GBA in the News

Giving Thanks for Bankers and First Responders

Several GBA members as well as GBA were represented last week in an Atlanta Business Chronicle feature of business leaders sharing thanks and gratitude for the many blessings we enjoy. Members featured included Palmer Proctor of Ameris Bank, Joe Evans of Cadence Bank and Glenn Jackson of Jackson Spalding. GBA’s Joe Brannen focused on thanking all the Georgia bankers for their efforts to serve their customers and communities in so many ways during this challenging year, as well as health care, law enforcement and other first responders who put others’ well-being ahead of their own. Read the article here.


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PPP Loan Necessity Questionnaires

Additional Lender Information Provided by SBA

As bankers continue to work with borrowers on PPP forgiveness applications, SBA has provided PPP lenders more information about the loan necessity questionnaires that will need to be distributed to borrowers who received loans of $2 million or more. GBA and others have raised concerns about the questionnaires as they ask for information not contemplated when the borrowers were originally certifying their need for the loan. SBA continues to say that asking a borrower to complete the questionnaire does not mean that SBA is challenging a borrower’s certification. SBA also says that lenders are not required to verify or validate the borrower’s responses or supporting documentation submitted with the questionnaires, but warns missing deadlines or borrowers not submitting requested information could affect forgiveness. Here is a PowerPoint SBA provided that outlines the process.


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Several Positive Economic Indicators this Week

There were several significant economic indicators relevant to Georgia banks this week. The University of Georgia’s 38th annual Georgia Economic Outlook carried an optimistic tone, with Benjamin Ayers, the school’s dean saying, “Absent another lockdown, the COVID-19 recession is over.” Positive trends include improving consumer spending, Federal Reserve fiscal policy, above-average population growth, a strong housing market and a packed pipeline of economic development projects. Read more about Ayers’ remarks here. Data backing the population growth trend was released recently by the U.S. Census Bureau. Georgia ranked fifth attracting residents from other states in 2019, with an estimated 284,541 people moving here last year. In other economic news, the Fed reported modest economic growth in the Southeast. Labor market improvements, solid vehicle sales and strong residential real estate were highlights of economic conditions in the latest Federal Reserve’s Sixth District Beige Book summary. Manufacturing accelerated and tourism and hospitality saw slow improvements. Commercial real estate remains challenged, and the outlook in retail was uncertain, hinging on the holiday season. More details here.


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Peer Roundtables in Session This Week

Three groups of GBA’s popular peer-group roundtables met this week virtually. One Leadership Roundtable met and two of the President/CEO Roundtables gathered to discuss industry trends, market conditions and best practices for leading their banks. Although all the groups are eager to get back to in-person sessions shortly, you can see that the peers have stayed active with robust think-tank brainstorming via Zoom. Elaine Demarest and Chrys Henderson of Demarest Strategy Group facilitate the President/CEO, Finance/Operations, and Leadership Roundtables for us. The membership in each peer group is kept to a small group of up to approximately 20 peers from non-competing markets. Demarest reports that we may have up to six slots available in the GBA Leadership Roundtable Program for 2021 due to upward career movements and changes among current Leadership participants. Leadership placements require a signed Registration form from the candidate’s CEO. Contact GBA’s Kathy Friestad at 404.420.2024 if you’re interested in participating in any of the Leadership, President/CEO or Finance/Operations Roundtables. We are preparing our rosters and invoicing now for the 2021 tables. We also have Senior Lending Officer Roundtables available, facilitated by Karl and Eric Nelson, KPN Consulting. If you’d like information about these tables, contact GBA’s Jenna Lynn Warner, 404.420.2035.


Leadership Roundtable,
Group Delta

Pres/CEO Roundtable,

Pres/CEO Roundtable,
the League


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Leveraging Technology to Minimize CRE Portfolio Risk During COVID-19

By Mark Prior, Founder and CEO of Qualtik

The COVID-19 pandemic has brought an incredible amount of uncertainty and upheaval to the commercial real estate sector. For example, if you hold notes on restaurants in several counties, some may be fully open, some only for takeout, and others completely shuttered. How do you assess the impact those varying levels of closure will have on your portfolio? The right technology can give CRE lenders incredible insight. The best way to deal with uncertainty is to operate from an informed perspective. Run lots of models and scenarios, in real time, so you’re not surprised, regardless of what comes to pass. Click here to learn more about successful strategies and tactics from GBA Associate Member Qualtik.


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2020 BankPAC Campaign Update

The 2020 BankPAC campaign has enabled GBA to support those elected officials who support the banking industry like never before. If you and your bank have yet to contribute, please find the campaign materials on the BankPAC page of GBA’s website. And, check out the progress of your GBA Group here. The GBA StatePAC is very close to reaching its goal – won’t you be the bank to put us over the top? We appreciate all of our contributors and want to thank United Bank, Zebulon, Jim Edwards, CEO, for contributing to the GBA StatePAC this week and the eligible employees, officers and directors from the following banks for contributing to the GBA FedPAC this week:

  • Colony Bank, Fitzgerald, Heath Fountain, president & CEO

  • First National Bank of Griffin, Chuck Copeland, president & CEO

  • Loyal Trust Bank, Johns Creek, Charlie Brown, president & CEO

  • United Bank, Zebulon, Jim Edwards, CEO 

Thank you for your support of this important effort! With questions, contact Elizabeth Chandler, 404.420.2027.


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Aim to Participate in State BankPAC Sporting Clays Tournament Feb. 11

Leadership GBA will host its fourth-annual Sporting Clays Tournament Feb. 11 at Old Hudson Plantation in Sparta (Lake Oconee). We’re so excited about this opportunity to get together, enjoy the great outdoors and show support for GBA’s State BankPAC. Make plans to participate, and invite fellow bankers, customers, prospects, directors, and legislators to join you (non-members welcome). It’s $500 for a four-person team and $150 for an individual. Or, register a team and get a Stand Sponsorship for $700 (save $150). Registration is open, so click here to reserve your spot. And if you don’t have a team put together yet – go ahead and sign up and let us know your teammates closer to the event. Shooters and non-shooters alike can support the PAC through sponsorships ranging from $250 - $1,000. Click here for sponsorship details. Sponsors will be recognized in event and promotional materials, on on-site signage, and at the event. We look forward to seeing you at the tournament! Thanks to ATM Response, FHLB of Atlanta and Haberfeld for sponsoring! Contact GBA’s Kathy Friestad with any questions.


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New Webinar!

Remote Work: How Banks Can Build and Lead a Team – Jan. 21

We’ve been navigating uncharted waters for months now and remote work looks like it’s here to stay. While remote work is new to so many of us -- it’s not new to BELAYBELAY has been growing a successful company through remote work for over 10 years and is proud to lead the charge in disrupting the status quo by dismantling the ‘way things have always been done.’ Join Krisha Buehler, BELAY’s vice president of human resources, on Jan. 21 as she shares answers to some of the most asked questions regarding remote work in this new webinar:

  • How do you measure productivity in a remote environment?

  • What traits indicate a person can work remotely?

  • How can managers support employees who work remotely?

  • Is remote work sustainable for my bank/company long term?

Register here (only $99 per person through Jan. 7!) Questions? Email Jenna Lynn Warner.


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Streamline Vehicle Title & Lien Release Management with DDI Technology

GBA has endorsed DDI Technology for more than 10 years because their Premier eTiltleLien® solution enables your bank’s loan operations team to improve reporting and manage exceptions within a simple, user-friendly application. Committed to excellence, DDI continues to focus on improving their products, education and consulting services in all areas of vehicle registration. DDI fosters partnerships with progressive and innovative businesses including federal, state and local governments by supplying them with the technologies to enable dealer and finance partners to provide the best service to their customers while saving time and money. The four biggest benefits to working with DDI include:

  • Simplified Titling Process

  • Reduction of Fraud & Errors

  • Elimination of Space-Wasting Paper Storage

  • A Responsive Customer Support Team

For more details about DDI Technology or to join the more than 4,000 customers they have today, please contact Director of Sales Todd Phillips, 803.808.4937.


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Get to Know GBA Strategic Partner PointeNorth Insurance

GBA through its subsidiary, GBA Services, Inc. is pleased to endorse PointeNorth Insurance Group as its preferred full-service, independent insurance agency, providing one of the broadest collections of personal and business-related insurance solutions in the Southeast. Additionally, PointeNorth will serve as the primary brokers for the GBA-endorsed ABA Insurance Program. ABA Insurance Services, a Member of Great American Insurance Group, serves the banking industry by offering D&O, bond, property and casualty, cyber and related insurance to financial institutions across the country. At PointeNorth, the bottom line is never as important as doing good things for their clients, employees and community. Their values are more just words—they inform every business decision and every interaction with their clients. Download a PointeNorth Insurance overview here. To learn more, please contact PointeNorth’s Paul Halloran,, 770.858.7554. Learn more about PointeNorth in this video.


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ABA - Ideal Training for New Bank Employees - Introduction to Banking

Banking Basics and Banking Fundamentals combine the principles of the banking industry with real-world application. Ideal for new bankers, or bankers seeking to gain an understanding of the changing world of financial services. Same great content – two convenient online formats to choose from:


Banking Basics

Suite of self-paced online courses deliver concise, impactful lessons:

  • Introduction to Banking

  • Banks and the Deposit Function

  • Banks as a Business

  • Banks and the Economy

  • Bank Marketing: Building Customer Relationships

  • Bank Sales and Service: Expanding Customer Relationships

  • Bank Payment Systems and Technology

  • Bank and Personal Wealth Management

  • Business and International Banker Services

  • Safeguarding bank Assets and the Nation

  • Safeguarding the Customer and the Bank

Click HERE to learn more or to register.


Banking Fundamentals

Suite of facilitated online courses that combine peer collaboration with instructor guidance in three 4-week courses:

  • The Banking Industry

  • Bank Lines of Business

  • Building Customer Relationships

Click HERE to learn more or to register.


Member Price for both Products: $595


View all self-paced courses here. View all facilitated courses here. With questions, contact Alison Moreau, 404.420.2034.


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Prudent Approach for Target Date Funds Webinar Next Week

It’s not too late to sign up for our Target Date Funds Webinar next week. GBA Retirement Services, in partnership with Unified Trust Company, has scheduled a series of three-monthly informational webinars, and the third one is next Tuesday, Dec. 8 at 10 a.m. These webinars are most beneficial for sponsors of retirement plans, including CEOs, Human Resources professionals and other Retirement Plan Committee members. Below is a summary of an ERISA Attorney’s view on Target Date Fund Selection we wanted to share with you:


TDFs Hold the Lion’s Share of Plan Assets—Which Means They Present the Lion’s Share of Fiduciary Risk


By Brad Campbell, Partner, Faegre Drinker, Biddle & Reath


Nearly 87% of defined contribution plans have a Target Date Fund (TDF) on their plan menus, and about 85% use a TDF as their Qualified Default Investment Alternative (“QDIA”) for automatically enrolled participants. Assets in TDFs have skyrocketed, reaching $2.3 trillion at the end of 2019.3 What this means in practice is that the TDF you select likely will hold the most assets and receive the most ongoing participant contributions of the options on your plan menu, especially if it is also the plan’s QDIA.


While the TDF concept may be simple to explain to participants, they are not simple financial instruments. Fiduciaries must understand that two TDFs with the same target date may share almost no other common characteristics. TDFs have widely diverse investment structures, fees and underlying investments. Most significantly, they may have significantly different glide paths (the timing of the changes in the investment allocation as the TDF approaches the target date).


The ERISA plan fiduciary is responsible for prudently selecting a TDF that is in the best interest of the plan and its participants. The fiduciary must have considered and understood the significance of all relevant factors. But what does that actually mean? How should the plan fiduciary make and document the basis for what will likely be the most financially significant investment decision for the plan and its participants?


To learn more about Target Date Funds and how to best help your plan participants, please join us next week by registering here. Please reach out to Mandy Richards at 404.420.2025 with any questions.


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Webinar Series Now Available

Choosing the Right Digital Marketing Channels for Your Bank

This OnDemand series presented by the North Carolina Bankers Association and we endorse for you was released on Wednesday, Dec. 2, and divided into three segments. Attendees will be able to download and keep the recordings. Finding the right marketing tactics for your bank can be a challenge, even more so with a limited budget and competitive ecosystem. In this webinar series, attendees will learn about frameworks and tools that they can implement to make the most of the marketing budgets – and in particular, build the bank’s digital presence to help win new business online. Bank CEOs, presidents and marketing professionals will all benefit. Learn more and register here.


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Upcoming December Webinars

We appreciate members choosing the programs we offer for your ongoing needs. Check out these upcoming virtual offerings. View the full calendar here for dates, times and more programs. With questions, email


Save 10-30% with a webinar subscription package - details here!

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Recruit, Retain and Develop the Best Bankers with GBA Career Solutions


GBA Job Bank - GBA will post open positions, free of charge, for GBA members. See the open positions in Georgia here. We will also post professional summaries for bank-job seekers on our Bankers Available page. To make the process easy and answer any questions, we've developed this Q & A. Please contact Katina Prokos, 404.420.2021.


GBA Strategic Partner BankTalentHQ - The central feature of BankTalentHQ is its national bank-job board. Other key benefits include: resume search access, regional and national reach for your open positions, frequent special offers and custom sales/coaching programs. Visit BankTalentHQ to learn more. See the open positions in Georgia here, or search regionally or nationally here.


GBA’s Career Paths for Bankers™ - GBA’s Career Paths for Bankers™ is the most unique, organized and easy-to-use career development resource available for bankers and banks. GBA’s pioneering career development resource is unlike any other in the banking industry. Click here to start mapping your banking career today.


Why do people choose careers in banking? Whatever their talents, interests and educational background, there is a career in banking for them. Here are few good reasons to share with folks you know.


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GBA Community Connections

We want to share all the good work GBA member banks, bankers, Associate Members and Bank Counsel Section members do to support their communities. Read all about the Community Connections our banks and members have below. Share your Community Connections by sending a brief paragraph and any photos of activities you have to us and we'll publish them at our earliest opportunity. Send information to Katina Prokos and David Oliver, or if your company would like to sponsor this content, let us know. Here's our latest installment:


Duluth - PromiseOne Bank

The bank and co-sponsor the Choson Foundation invited high school juniors and seniors in Gwinnett, Fulton and Dekalb counties to its 6th-Annual Scholarship Award Ceremony. The recipients were carefully selected based on their excellence in academic accomplishments and outstanding literary responses to the essay topic, “My views on Success”.

Gainesville - Peach State Bank & Trust

The bank held a “No Shave November” event for the men in the bank and in return collected $2,715.00 to help in the fight to eradicate cancer. Employees made donations to Emory Winship Cancer Institute in Atlanta.

Hawkinsville - SunMark Community Bank

Bank team members and their families recently updated the first and second grade classroom at a local non-profit center for children called The Fort Valley Youth Center of Excellence.

Suwanee - Quantum National Bank

The bank recently made a donation to the Meals by Grace food pantry to help them meet the increased demand due to the pandemic and economy.


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Atlanta - Truist

Truist Securities announced the addition of Mike Phalen as head of Consumer Investment Banking and Chris Hildreth as head of Business Services Investment Banking.


Claxton - The Claxton Bank

The bank held a ribbon cutting on Nov. 13 for its Richmond Hill Loan Production Office at 2591 HWY 17, Suite 201, Richmond Hill, GA 31324.


Columbus – Synovus

The bank has launched a new agriculture and timber team, which includes agriculture industry and banking veterans Clint Hood, Kimberly Powell, Anita Hatfield, and Jo Creel, all of whom joined the bank last week, and Synovus agribusiness banker, Andy Thompson. Read more here.


Fitzgerald – Colony Bank

Charles (“Buddy”) Bennett, Jr. has joined the bank as senior vice president, commercial banker for its Canton, Georgia, market. Read more here.


Moultrie - Ameris Bank

Howard Lemons has joined the bank as a senior vice president and head of product management for Ameris Bank Treasury Services. Read more here.


Pine Mountain - First Peoples Bank

Casey Smith has joined the bank as senior vice president and Chief Strategy Officer.


Watkinsville – Oconee State Bank

Henry Maxey recently announced his retirement from the board of the bank and Oconee State Financial Corporation after 21 years of service. Read more here.


Atlanta - Georgia Heirs Property Law Center

The center is celebrating its five year anniversary and recently released its FY2020 Annual Report. The center is also hosting a free webinar of interest to bankers and clients Dec. 9 at 11:30 a.m.: Don't Spend Your Pines: Managing Timber, Hunting Leases, and Heirs Property for Generational Wealth. Register by clicking here or by following the following link:


Washington, D.C. - U.S. House of Representatives
Kwanza Hall was sworn in Thursday as our U.S. house representative for District 5 to serve until Rep-elect Nikima Williams takes office in January.



The Claxton Bank








Lemons Maxey



Read All About It: Send Us Your News

Please remember to include the Georgia Bankers Association on the list of recipients for announcements about promotions, new employees and special recognition your bank has received. We want to share your news with your colleagues across the state. Please forward your announcements and photos to GBA's David Oliver and Katina Prokos.

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