Southwest Georgia Financial Corporation is a bank holding company of Southwest Georgia Bank. The Company's primary business is providing banking services through the Bank to individuals and businesses principally in Colquitt County, Baker County, Worth County, Lowndes County, and the surrounding counties of southwest Georgia. The Bank also operates Empire Financial Services, Inc. (Empire), a commercial mortgage banking firm located in Baldwin County. The Bank offers customary banking services, such as consumer and commercial checking accounts, Negotiable Order of Withdrawal (NOW) accounts, savings accounts, certificates of deposit, lines of credit, VISA business accounts, and money transfers. As of December 31, 2014, the Bank had two automated teller machines on the Bank's main office premises and one in each of the Baker County, Sylvester, North Valdosta and Baytree branch offices.