Georgia Banking director Heiser reports 6,960 direct shares

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

Rhea-AI Filing Summary

Georgia Banking Co Inc director Craig Heiser reported holdings as of October 27, 2026, including 6,960 common shares held directly, 9,600 shares held in an IRA by Community National Bank as custodian for his benefit, 3,840 shares held by his spouse, and 1,200 held by his daughter. He disclaims beneficial ownership of his spouse’s and daughter’s shares except to the extent of his pecuniary interest. His reported position also includes warrants, fully exercisable for 9,360 common shares at a $20.83 exercise price, expiring November 1, 2029.

Insider Trade Summary

Holdings reported, no transactions

Holdings

Insider Heiser Craig

Role Director

Type	Security	Shares	Price	Value
Holding	Warrants (right to buy) F4	--	--	--
Holding	Common Stock	--	--	--
Holding	Common Stock F1	--	--	--
Holding	Common Stock F2	--	--	--
Holding	Common Stock F3	--	--	--

Holdings: Warrants (right to buy) — 9,360 contracts (Direct); Common Stock — 6,960 shares (Direct); Common Stock — 9,600 shares (Indirect, See footnote (1)); Common Stock — 3,840 shares (Indirect, See footnote (2)); Common Stock — 1,200 shares (Indirect, See footnote (3))

Footnotes (4)

1. F1. The shares are held by Community National Bank as custodian of an IRA for the benefit of the reporting person.
2. F2. The shares are held by the reporting person's spouse. The reporting person disclaims beneficial ownership of these shares except to the extent of his pecuniary interest therein.
3. F3. The shares are held by the reporting person's daughter. The reporting person disclaims beneficial ownership of these shares except to the extent of his pecuniary interest therein.
4. F4. The warrants are fully exercisable.

Key Figures

Direct common shares: 6,960 shares IRA-held common shares: 9,600 shares Spouse-held common shares: 3,840 shares +4 more

7 metrics

Direct common shares 6,960 shares Reported as of October 27, 2026

IRA-held common shares 9,600 shares Held by Community National Bank as custodian for Heiser’s benefit

Spouse-held common shares 3,840 shares Reported as of October 27, 2026

Daughter-held common shares 1,200 shares Reported as of October 27, 2026

Warrants for common shares 9,360 shares Fully exercisable

Warrant exercise price $20.83 Warrants for common shares

Warrant expiration November 1, 2029 Reported warrants

Key Terms

Warrants (right to buy), fully exercisable, custodian of an IRA, beneficial ownership

4 terms

Warrants (right to buy) financial

"Warrants (right to buy)"

fully exercisable financial

"The warrants are fully exercisable"

custodian of an IRA financial

"as custodian of an IRA"

beneficial ownership financial

"disclaims beneficial ownership of these shares"

Beneficial ownership means the person or entity that actually enjoys the benefits of owning shares or other assets — such as receiving dividends, voting rights, or price gains — even if the legal title is held in another name. For investors it matters because knowing who truly controls and profits from a company reveals who can influence decisions, exposes potential conflicts of interest or hidden concentration of power, and affects transparency and risk in the stock.

FAQ

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

How many GBC shares did director Craig Heiser report holding directly?

Craig Heiser reported 6,960 common shares held directly as of October 27, 2026.

What are the terms of Craig Heiser’s GBC warrants?

The reported warrants are fully exercisable for 9,360 common shares at a $20.83 exercise price and expire November 1, 2029.

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^*

Heiser Craig

(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	6,960	D
Common Stock	9,600(1)	I	See footnote (1)
Common Stock	3,840(2)	I	See footnote (2)
Common Stock	1,200(3)	I	See footnote (3)

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
Warrants (right to buy)	(4)	11/01/2029	Common Stock	9,360	$20.83	D

Explanation of Responses:

1. The shares are held by Community National Bank as custodian of an IRA for the benefit of the reporting person.

2. The shares are held by the reporting person's spouse. The reporting person disclaims beneficial ownership of these shares except to the extent of his pecuniary interest therein.

3. The shares are held by the reporting person's daughter. The reporting person disclaims beneficial ownership of these shares except to the extent of his pecuniary interest therein.

4. The warrants are fully exercisable.

	/s/ Suzanne Deep, Attorney-in-Fact for Craig Heiser	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)