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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.49% | 1.73% | 1.44% | 1.66% | 1.35% | 1.60% | 1.48% | 1.65% | 0 bps | |
| Return on Equity | 14.88% | 17.01% | 13.93% | 15.54% | 12.16% | 15.21% | 14.92% | 16.37% | +83 bps | |
| Net Interest Margin | 3.91% | 3.95% | 4.00% | 4.13% | 4.22% | 4.35% | 4.40% | 4.41% | +28 bps | |
| Efficiency Ratio | 72.86% | 69.27% | 72.10% | 70.92% | 75.39% | 74.22% | 70.30% | 69.07% | -185 bps | |
| Non-Interest Burden | 2.01% | 1.92% | 2.13% | 2.03% | 2.65% | 2.66% | 2.47% | 2.27% | +24 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.27% | 6.30% | 5.32% | 0.58% | -1.23% | 17.00% | 18.78% | 18.70% | +1,812 bps | |
| Loan Growth (YoY) | 7.52% | 2.61% | 1.37% | -3.26% | -0.79% | 12.44% | 9.43% | 16.24% | +1,950 bps | |
| Deposit Growth (YoY) | 8.17% | 8.72% | 5.17% | -0.27% | -2.24% | 18.21% | 20.45% | 20.09% | +2,035 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.36% | 0.33% | 0.19% | 0.09% | 0.25% | 0.52% | 0.55% | 0.55% | +46 bps | |
| Net Charge-Offs / Loans | -0.01% | 0.00% | 0.03% | -0.01% | -0.01% | -0.03% | -0.02% | -0.01% | 0 bps | |
| Allowance / Loans | 1.22% | 1.23% | 1.22% | 1.24% | 1.23% | 1.43% | 1.47% | 1.41% | +17 bps | |
| Allowance Coverage of NPLs | 3.4x | 3.8x | 6.5x | 13.5x | 4.9x | 2.7x | 2.7x | 2.5x | -10.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.10% | 10.20% | 10.66% | 10.89% | 11.21% | 9.39% | 9.93% | 10.17% | -72 bps | |
| Total Risk-Based Capital | 14.22% | 14.45% | 14.78% | 15.97% | 16.08% | 14.26% | 14.79% | 15.32% | -64 bps | |
| Equity / Assets | 10.04% | 10.32% | 10.43% | 10.91% | 11.22% | 9.97% | 9.82% | 10.39% | -52 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.51% | 95.66% | 93.27% | 94.03% | 95.91% | 90.99% | 84.74% | 91.01% | -301 bps | |
| Liquid Assets / Assets | 12.95% | 11.51% | 13.61% | 13.00% | 10.71% | 10.24% | 15.49% | 10.23% | -277 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 328% | 355% | 322% | n/a | n/a | |