Banksouth
Greensboro, GA · Cert 16418 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Banksouth Holding Co.
State savings bank · OCC · 10 branches
Q2 2026
$1.6BAssets
$1.2BLoans
$1.4BDeposits
$165.2MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 91% of banks $1B-$10B in assets operating in a single state (rank 23 of 258).
- Widest gap: efficiency ratio trails 75% of banks $1B-$10B in assets operating in a single state (rank 194 of 257).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.57%
Rank 62 of 258
Net Interest Margin
4.36%
Rank 23 of 258
Efficiency Ratio
69.66%
Rank 194 of 257
Equity / Assets
10.39%
Rank 124 of 258
Non-interest income vs. expense
Unfavorable gap of $37.4M · efficiency ratio beats 25% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.57% | 0.93% | 1.23% | 1.54% | Beats 76% | 62 / 258 | |
| Return on Equity | 15.11% | 9.26% | 11.84% | 14.74% | Beats 77% | 60 / 258 | |
| Net Interest Margin | 4.36% | 3.16% | 3.49% | 3.88% | Beats 91% | 23 / 258 | |
| Efficiency Ratio | 69.66% | 51.71% | 60.30% | 69.65% | Beats 25% | 194 / 257 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.55% | 0.19% | 0.46% | 0.90% | Beats 39% | 159 / 258 | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.02% | 0.07% | Beats 78% | 60 / 258 | |
| Capital |
| Tier 1 Capital Ratio | 14.07% | 11.41% | 12.98% | 15.12% | Beats 65% | 90 / 258 | |
| Total Risk-Based Capital Ratio | 15.32% | 12.10% | 13.91% | 16.08% | Beats 69% | 79 / 258 | |
| Equity / Assets | 10.39% | 9.09% | 10.24% | 11.72% | Beats 52% | 124 / 258 | |
| Liquidity & Funding |
| Loans / Deposits | 91.01% | 73.24% | 86.34% | 95.95% | 63rd pctl | 95 / 258 | |
| Loans / Assets | 78.03% | 63.01% | 72.27% | 78.40% | 72nd pctl | 73 / 258 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |