Primesouth Bank
Blackshear, GA · Cert 5694 · Peer group: banks $1B-$10B in assets (n=311-317) · Jones Bancshares L P
State charter, non-member · FDIC · 8 branches
Q2 2026
$1.6BAssets
$1.3BLoans
$1.3BDeposits
$174.7MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 91% of banks $1B-$10B in assets (rank 28 of 317).
- Widest gap: nonperforming loans / loans trails 84% of banks $1B-$10B in assets (rank 261 of 311).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
1.84%
Rank 37 of 317
Net Interest Margin
4.53%
Rank 28 of 317
Efficiency Ratio
47.03%
Rank 46 of 317
Equity / Assets
10.91%
Rank 131 of 317
Non-interest income vs. expense
Unfavorable gap of $27.0M · efficiency ratio beats 86% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.84% | 0.93% | 1.22% | 1.51% | Beats 88% | 37 / 317 | |
| Return on Equity | 16.85% | 8.63% | 11.43% | 14.48% | Beats 88% | 39 / 317 | |
| Net Interest Margin | 4.53% | 3.06% | 3.45% | 3.83% | Beats 91% | 28 / 317 | |
| Efficiency Ratio | 47.03% | 51.90% | 59.69% | 67.53% | Beats 86% | 46 / 317 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.48% | 0.24% | 0.51% | 1.14% | Beats 16% | 261 / 311 | |
| Net Charge-Offs / Loans | 0.02% | 0.01% | 0.04% | 0.12% | Beats 64% | 112 / 311 | |
| Capital |
| Tier 1 Capital Ratio | 14.63% | 11.75% | 13.15% | 15.30% | Beats 68% | 100 / 317 | |
| Total Risk-Based Capital Ratio | 15.89% | 12.63% | 14.21% | 16.26% | Beats 72% | 88 / 317 | |
| Equity / Assets | 10.91% | 9.06% | 10.32% | 11.95% | Beats 59% | 131 / 317 | |
| Liquidity & Funding |
| Loans / Deposits | 99.40% | 76.63% | 88.04% | 95.67% | 83rd pctl | 53 / 312 | |
| Loans / Assets | 82.37% | 65.41% | 74.05% | 79.71% | 83rd pctl | 53 / 317 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |