BlastPoint's Banking Scorecard
BankSouth
Designations: ✓ Community bank
Greensboro, GA
10 branches across GA
BankSouth has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 20.8% in tier
- + ROA 0.11% above tier average
- + Net Interest Margin 0.76% above tier average
- + Delinquency Rate 0.33% below tier average
Key Concerns
Areas that may need attention
- - Efficiency Ratio 9.24% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.6B
+18.8% YoY
+4.0% QoQ
|
-$1.2B |
$2.8B
-0.1% YoY
|
$814.8M
+10.0% YoY
|
$6.2B
+9.1% YoY
|
39% |
| Total Loans ? |
$1.2B
+9.2% YoY
-2.8% QoQ
|
-$796.6M |
$2.0B
+0.6% YoY
|
$550.6M
+10.4% YoY
|
$3.2B
+10.8% YoY
|
41% |
| Total Deposits ? |
$1.4B
+20.5% YoY
+4.5% QoQ
|
-$944.1M |
$2.3B
-0.3% YoY
|
$689.3M
+8.9% YoY
|
$4.8B
+8.2% YoY
|
42% |
| Return on Assets ? |
1.48%
+2.2% YoY
-1.6% QoQ
|
+0.11% |
1.37%
+19.6% YoY
|
1.50%
+0.6% YoY
|
1.23%
+13.4% YoY
|
69% |
| Net Interest Margin ? |
4.58%
+8.9% YoY
+1.9% QoQ
|
+0.76% |
3.82%
+6.9% YoY
|
4.36%
+2.3% YoY
|
3.89%
+5.7% YoY
|
Top 10.1% in tier |
| Efficiency Ratio ? |
70.30%
-2.5% YoY
-3.9% QoQ
|
+9.24% |
61.06%
-4.6% YoY
|
62.13%
-1.5% YoY
|
66.95%
-4.1% YoY
|
22% |
| Delinquency Rate ? |
0.56%
+196.0% YoY
+6.3% QoQ
|
-0.33% |
0.89%
+14.1% YoY
|
0.81%
+32.9% YoY
|
0.95%
+18.8% YoY
|
49% |
| Loan-to-Deposit Ratio ? |
83.50%
-9.4% YoY
-6.9% QoQ
|
-0.71% |
84.20%
+0.3% YoY
|
71.10%
+2.8% YoY
|
76.70%
+0.9% YoY
|
58% |
| Non-Interest-Bearing Deposit Share ? |
26.47%
+9.0% YoY
+1.8% QoQ
|
+5.18% |
21.29%
-2.5% YoY
|
26.76%
-3.7% YoY
|
22.01%
-1.2% YoY
|
75% |
| Nonperforming Asset Ratio ? |
0.41%
+172.9% YoY
-2.5% QoQ
|
-0.27% |
0.67%
+15.6% YoY
|
0.56%
+24.4% YoY
|
0.67%
+19.3% YoY
|
52% |
| Tier 1 Capital Ratio ? |
13.54%
+0.0% YoY
+4.1% QoQ
|
-1.62% |
15.16%
+2.0% YoY
|
17.30%
-0.8% YoY
|
17.06%
+0.8% YoY
|
56% |
| Non-Interest Income / Assets ? |
0.50%
-25.2% YoY
-78.2% QoQ
|
+0.24% |
0.26%
+1.6% YoY
|
0.21%
+3.2% YoY
|
0.32%
+4.1% YoY
|
Top 6.3% in tier |
Get Full Access to BankSouth
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (1)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.