Shareholders' Equity / Regulatory Matters (Tables)

12 Months Ended

Dec. 31, 2019

Equity [Abstract]

Summary of Leverage Ratio

The Corporation’s and the Bank’s ratios under the above rules at December 31, 2019 and 2018, are set forth in the following tables.

As of December 31, 2019	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)	$	48,412,803		12.35	%	$	17,634,437		>4.50%	N/A*		N/A*
Total capital (to risk-
weighted assets)	$	52,017,151		13.27	%	$	31,350,110		>8.00%	N/A*		N/A*
Tier I capital (to risk-
weighted assets)	$	48,412,803		12.35	%	$	23,512,853		>6.00%	N/A*		N/A*
Leverage (tier I capital
to average assets)	$	48,412,803		8.81	%	$	21,991,645		>4.00%	N/A*		N/A*

*N/A - As of December 31, 2019, 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.

(1) Not including capital conservation buffer. 

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%(1)	$	24,815,974		>   6.50%
Total capital (to risk-
weighted assets)	$	47,109,612		12.34	%	$	30,542,738		>8.00%(1)	$	38,178,422		>10.00%
Tier I capital (to risk-
weighted assets)	$	43,680,743		11.44	%	$	22,907,053		>6.00%(1)	$	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%

*N/A - As of December 31, 2018, 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.

(1) Not including capital conservation buffer.