Shareholders' Equity / Regulatory Matters (Tables)

12 Months Ended

Dec. 31, 2018

Equity [Abstract]

Summary of Leverage Ratio

The Corporation’s and the Bank’s ratios under the above rules at December 31, 2018 and 2017, are set forth in the following tables.

As of December 31, 2018	Actual					For Capital Adequacy Purposes				To Be Well Capitalized Under Prompt Corrective Action Provisions
	Amount		Ratio			Amount		Ratio		Amount		Ratio
Southwest Georgia Financial Corporation
Common equity Tier 1 (to risk-
risk- weighted assets)	$	45,802,434		11.97	%	$	17,217,892		>4.50%		N/A*		N/A*
Total capital (to risk-
weighted assets)	$	49,231,303		12.87	%	$	30,609,586		>8.00%		N/A*		N/A*
Tier I capital (to risk-
weighted assets)	$	45,802,434		11.97	%	$	22,957,189		>6.00%		N/A*		N/A*
Leverage (tier I capital
to average assets)	$	45,802,434		8.62	%	$	21,265,996		>4.00%		N/A*		N/A*
Southwest Georgia Bank
Common equity Tier 1 (to risk-
risk- weighted assets)	$	43,680,743		11.44	%	$	17,180,290		>4.50%	$	24,815,974		>   6.50%
Total capital (to risk-
weighted assets)	$	47,109,612		12.34	%	$	30,542,738		>8.00%	$	38,178,422		>10.00%
Tier I capital (to risk-
weighted assets)	$	43,680,743		11.44	%	$	22,907,053		>6.00%	$	30,542,738		>   8.00%
Leverage (tier I capital
to average assets)	$	43,680,743		8.24	%	$	21,206,909		>4.00%	$	26,508,636		>   5.00%
As of December 31, 2017		Actual					For Capital Adequacy Purposes				To Be Well Capitalized Under Prompt Corrective Action Provisions
		Amount		Ratio			Amount		Ratio		Amount		Ratio
Southwest Georgia Financial Corporation
Common equity Tier 1 (to risk-
risk- weighted assets)	$	42,756,979		12.74	%	$	15,098,672		>4.50%		N/A*		N/A*
Total capital (to risk-
weighted assets)	$	45,800,611		13.65	%	$	26,842,084		>8.00%		N/A*		N/A*
Tier I capital (to risk-
weighted assets)	$	42,756,979		12.74	%	$	20,131,563		>6.00%		N/A*		N/A*
Leverage (tier I capital
to average assets)	$	42,756,979		8.79	%	$	19,467,338		>4.00%		N/A*		N/A*
Southwest Georgia Bank
Common equity Tier 1 (to risk-
risk- weighted assets)	$	40,247,187		12.02	%	$	15,069,727		>4.50%	$	21,767,383		>   6.50%
Total capital (to risk-
weighted assets)	$	43,290,819		12.93	%	$	26,790,625		>8.00%	$	33,488,282		>10.00%
Tier I capital (to risk-
weighted assets)	$	40,247,187		12.02	%	$	20,092,969		>6.00%	$	26,790,625		>   8.00%
Leverage (tier I capital
to average assets)	$	40,247,187		8.29	%	$	19,418,765		>4.00%	$	24,273,457		>   5.00%

*N/A - As of December 31, 2017, the Corporation met the definition under the Basel III Capital Rules of a small bank holding company and, therefore, was exempt from consolidated risk-based and leverage capital adequacy guidelines for bank holding companies.