Greensboro, GA · Cert 16418 · Banksouth Holding Co.
State savings bank · OCC · 10 branches
Q2 2026
Market Position · Savannah, GA · 2026 SOD (annual) · 2.3% share · #10 of 24 inst. · $0.2B of $9.5B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.66% | 1.35% | 1.60% | 1.48% | 1.65% | 0 bps | |
| Return on Equity | 15.54% | 12.16% | 15.21% | 14.92% | 16.37% | +83 bps | |
| Net Interest Margin | 4.13% | 4.22% | 4.35% | 4.40% | 4.41% | +28 bps | |
| Efficiency Ratio | 70.92% | 75.39% | 74.22% | 70.30% | 69.07% | -185 bps | |
| Non-Interest Burden | 2.03% | 2.65% | 2.66% | 2.47% | 2.27% | +24 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.58% | -1.23% | 17.00% | 18.78% | 18.70% | +1,812 bps | |
| Loan Growth (YoY) | -3.26% | -0.79% | 12.44% | 9.43% | 16.24% | +1,950 bps | |
| Deposit Growth (YoY) | -0.27% | -2.24% | 18.21% | 20.45% | 20.09% | +2,035 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.09% | 0.25% | 0.52% | 0.55% | 0.55% | +46 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.01% | -0.03% | -0.02% | -0.01% | 0 bps | |
| Allowance / Loans | 1.24% | 1.23% | 1.43% | 1.47% | 1.41% | +17 bps | |
| Allowance Coverage of NPLs | 13.5x | 4.9x | 2.7x | 2.7x | 2.5x | -10.9x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.89% | 11.21% | 9.39% | 9.93% | 10.17% | -72 bps | |
| Total Risk-Based Capital | 15.97% | 16.08% | 14.26% | 14.79% | 15.32% | -64 bps | |
| Equity / Assets | 10.91% | 11.22% | 9.97% | 9.82% | 10.39% | -52 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 94.03% | 95.91% | 90.99% | 84.74% | 91.01% | -301 bps | |
| Liquid Assets / Assets | 13.00% | 10.71% | 10.24% | 15.49% | 10.23% | -277 bps | |
| CRE / Total Capital | n/a | 328% | 355% | 322% | n/a | n/a | |