Georgia Banking director Borders reports 53,260 shares

The reported position includes common shares held by an LLC and deferred units settled in shares after the director separates from service.

Accepted by SEC EDGAR 10/27/2026 - 04:26 PM EDT Learn about SEC filing dates

Rhea-AI Filing Summary

Georgia Banking Co Inc director Sarah R. Borders reported holdings as of October 27, 2026, including 53,260 common shares held by JSRB Funding, LLC, over which Borders and her spouse have voting and investment control. Borders also reported 8,016 deferred stock units held directly; each unit will be settled in one common share following her separation from service.

Insider Trade Summary

Holdings reported, no transactions

Holdings

Insider Borders Sarah R.

Role Director

Type	Security	Shares	Price	Value
Holding	Deferred Stock Units F2	--	--	--
Holding	Common Stock F1	--	--	--

Holdings: Deferred Stock Units — 8,016 contracts (Direct); Common Stock — 53,260 shares (Direct)

Footnotes (2)

1. F1. Held by JSRB Funding, LLC, which the reporting person and the reporting person's spouse have voting and investment control.
2. F2. Represents deferred stock units under the Issuer's Deferred Compensation Plan. Each unit will be settled in one share of Common Stock following the reporting person's separation from service.

Key Figures

Common shares held by JSRB Funding, LLC: 53,260 common shares Direct deferred stock units: 8,016 units Settlement per deferred stock unit: 1 common share

3 metrics

Common shares held by JSRB Funding, LLC 53,260 common shares Reported as of October 27, 2026; the reporting person and her spouse have voting and investment control

Direct deferred stock units 8,016 units Reported as of October 27, 2026

Settlement per deferred stock unit 1 common share Following the reporting person's separation from service

Key Terms

Deferred Stock Units, Deferred Compensation Plan, separation from service

3 terms

Deferred Stock Units financial

"Represents deferred stock units under the Issuer's Deferred Compensation Plan"

Deferred stock units are promises from a company to give an employee shares of stock at a future date, often after certain conditions are met or after leaving the company. They function like a form of delayed compensation, allowing employees to earn shares over time. For investors, they represent potential future ownership in the company, but do not provide immediate voting rights or dividends until the shares are actually received.

Deferred Compensation Plan financial

"under the Issuer's Deferred Compensation Plan"

A deferred compensation plan is an arrangement where an employer agrees to pay part of an employee’s pay or bonus at a later date instead of immediately, often to reduce current tax bills or to tie rewards to long-term performance. For investors it matters because these promises create future cash obligations and influence executive incentives and retention; they can affect a company’s reported liabilities, cash flow planning and the risk profile if the business faces financial trouble.

separation from service financial

"following the reporting person's separation from service"

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

How many GBC shares did Sarah R. Borders report?

The reported holdings included 53,260 common shares held by JSRB Funding, LLC, over which Sarah R. Borders and her spouse have voting and investment control, and 8,016 deferred stock units held directly.

How are Sarah R. Borders' GBC deferred stock units settled?

Each of the 8,016 deferred stock units will be settled in one common share following Borders' separation from service.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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SEC Form 3

FORM 3

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

INITIAL STATEMENT OF BENEFICIAL OWNERSHIP OF SECURITIES

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0104
Estimated average burden
hours per response:			0.5

1. Name and Address of Reporting Person^*

Borders Sarah R.

(Last) (First) (Middle)

C/O GEORGIA BANKING COMPANY, INC.

1776 PEACHTREE STREET NW, SUITE 300

(Street)

ATLANTA GEORGIA 30309

(City) (State) (Zip)

UNITED STATES

(Country)

2. Date of Event Requiring Statement (Month/Day/Year)
10/27/2026

3. Issuer Name and Ticker or Trading Symbol
GEORGIA BANKING CO INC [ GBC ]

3a. Foreign Trading Symbol

5. If Amendment, Date of Original Filed (Month/Day/Year)

4. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

X	Director		10% Owner
	Officer (give title below)		Other (specify below)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Beneficially Owned
1. Title of Security (Instr. 4)	2. Amount of Securities Beneficially Owned (Instr. 4)	3. Ownership Form: Direct (D) or Indirect (I) (Instr. 5)	4. Nature of Indirect Beneficial Ownership (Instr. 5)
Common Stock	53,260(1)	D

Table II - Derivative Securities Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 4)	2. Date Exercisable and Expiration Date (Month/Day/Year)		3. Title and Amount of Securities Underlying Derivative Security (Instr. 4)		4. Conversion or Exercise Price of Derivative Security	5. Ownership Form: Direct (D) or Indirect (I) (Instr. 5)	6. Nature of Indirect Beneficial Ownership (Instr. 5)
	Date Exercisable	Expiration Date	Title	Amount or Number of Shares
Deferred Stock Units	(2)	(2)	Common Stock	8,016	(2)	D

Explanation of Responses:

1. Held by JSRB Funding, LLC, which the reporting person and the reporting person's spouse have voting and investment control.

2. Represents deferred stock units under the Issuer's Deferred Compensation Plan. Each unit will be settled in one share of Common Stock following the reporting person's separation from service.

	/s/ Suzanne Deep, Attorney-in-Fact for Sarah R. Borders	10/27/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 5 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.
* Form 3: SEC 1473 (03-26)