FNB South
Alma, GA · Cert 17011 · Peer group: banks under $1B in assets in GA (n=58-59) · First Bk Shares of the S E Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
$734.8MAssets
$497.4MLoans
$610.4MDeposits
$116.5MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 95% of banks under $1B in assets in GA (rank 4 of 58).
- Widest gap: net charge-offs / loans trails 97% of banks under $1B in assets in GA (rank 57 of 58).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
2.59%
Rank 4 of 59
Net Interest Margin
4.83%
Rank 11 of 59
Efficiency Ratio
46.14%
Rank 7 of 59
Equity / Assets
15.85%
Rank 8 of 59
Non-interest income vs. expense
Unfavorable gap of $14.0M · efficiency ratio beats 90% of banks under $1B in assets in GA | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.59% | 0.94% | 1.46% | 1.76% | Beats 93% | 4 / 59 | |
| Return on Equity | 16.32% | 7.92% | 11.60% | 15.10% | Beats 80% | 12 / 59 | |
| Net Interest Margin | 4.83% | 3.66% | 4.24% | 4.75% | Beats 81% | 11 / 59 | |
| Efficiency Ratio | 46.14% | 51.87% | 60.25% | 70.24% | Beats 90% | 7 / 59 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.10% | 0.36% | 0.89% | Beats 95% | 4 / 58 | |
| Net Charge-Offs / Loans | 0.39% | 0.00% | 0.02% | 0.05% | Beats 3% | 57 / 58 | |
| Capital |
| Tier 1 Capital Ratio | 22.90% | 11.93% | 15.65% | 21.05% | Beats 88% | 7 / 59 | |
| Total Risk-Based Capital Ratio | 24.18% | 12.05% | 15.77% | 22.26% | Beats 88% | 7 / 59 | |
| Equity / Assets | 15.85% | 9.10% | 11.51% | 14.32% | Beats 86% | 8 / 59 | |
| Liquidity & Funding |
| Loans / Deposits | 81.50% | 59.62% | 72.81% | 85.44% | 66th pctl | 20 / 58 | |
| Loans / Assets | 67.69% | 49.55% | 64.39% | 73.73% | 59th pctl | 24 / 59 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |