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BankSouth

$1B-$10B Specialty: Commercial GA FDIC cert 16418

Designations: ✓ Community bank

Greensboro, GA

10 branches across GA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 12 in GA.
  • Deposits +20.1% year over year ($1.4B on the books).
  • Delinquency rate 0.56%.
  • Return on assets 1.57%.
  • Efficiency ratio 69.66% vs a 59.73% peer average.
  • Loan-to-deposit ratio 89.73% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 12 in GA
View $1B-$10B leaderboard (GA) →

BankSouth has 4 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Revenue Diversifier: Top 18.5% in tier
  • + Deposit Franchise: Top 72.5% in tier
  • + ROA 0.18% above tier average
  • + Delinquency Rate 0.30% below tier average

Key Concerns

Areas that may need attention

  • - Efficiency Ratio 9.93% above tier average
Get updates when BankSouth releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Total Assets ? $1.6B
+18.7% YoY -1.7% QoQ
-$1.2B $2.8B
-0.6% YoY
$843.5M
+13.2% YoY
$6.3B
+7.7% YoY
38%
Total Loans ? $1.2B
+16.0% YoY +4.7% QoQ
-$740.3M $2.0B
-0.3% YoY
$581.6M
+14.3% YoY
$3.2B
+9.4% YoY
44%
Total Deposits ? $1.4B
+20.1% YoY -2.6% QoQ
-$956.0M $2.3B
-0.5% YoY
$711.6M
+12.3% YoY
$4.9B
+7.3% YoY
39%
Return on Assets ? 1.57%
+1.0% YoY +6.6% QoQ
+0.18% 1.39%
+17.0% YoY
1.55%
+0.3% YoY
1.30%
+12.1% YoY
72%
Net Interest Margin ? 4.63%
+7.7% YoY +1.0% QoQ
+0.76% 3.87%
+6.2% YoY
4.42%
+1.2% YoY
3.95%
+4.9% YoY
Top 10.1% in tier
Efficiency Ratio ? 69.66%
-2.6% YoY -0.9% QoQ
+9.93% 59.73%
-12.6% YoY
63.07%
+1.6% YoY
70.05%
+2.5% YoY
22%
Delinquency Rate ? 0.56%
+503.1% YoY -0.3% QoQ
-0.30% 0.87%
+11.7% YoY
0.77%
+14.9% YoY
0.98%
+16.3% YoY
48%
Loan-to-Deposit Ratio ? 89.73%
-3.4% YoY +7.5% QoQ
+4.70% 85.04%
-0.1% YoY
78.13%
+10.7% YoY
79.03%
+2.3% YoY
42%
Non-Interest-Bearing Deposit Share ? 28.07%
+15.3% YoY +6.1% QoQ
+6.80% 21.27%
-1.5% YoY
26.00%
-3.3% YoY
21.98%
-0.6% YoY
80%
Nonperforming Asset Ratio ? 0.44%
+495.0% YoY +6.9% QoQ
-0.24% 0.67%
+11.7% YoY
0.54%
+11.1% YoY
0.69%
+15.8% YoY
48%
Tier 1 Capital Ratio ? 14.07%
-4.4% YoY +3.9% QoQ
-0.77% 14.84%
-0.4% YoY
19.50%
+7.6% YoY
17.09%
+0.8% YoY
65%
Non-Interest Income / Assets ? 1.13%
-22.3% YoY +126.9% QoQ
+0.60% 0.53%
+2.5% YoY
0.44%
+3.6% YoY
0.66%
+5.2% YoY
Top 5.5% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Noninterest-Bearing 28.1%
+3.7pp YoY
+1.6pp QoQ
 +6.7pp 21.4% 26.2% 22.2% 80%
Brokered Deposits 2.3%
-2.8pp YoY
-1.0pp QoQ
 -7.2pp 9.5% 7.5% 8.5% 29%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
C&I 4.4%
+1.0pp YoY
-0.2pp QoQ
 -9.6pp 14.0% 9.7% 12.5% 16%
CRE 43.6%
-3.1pp YoY
+0.9pp QoQ
 -6.5pp 50.0% 48.9% 41.4% 32%
1-4 Family 50.4%
-0.2pp YoY
-0.7pp QoQ
 +24.0pp 26.4% 31.7% 31.3% 90%
Consumer 1.5%
+1.0pp YoY
-0.1pp QoQ
 -3.2pp 4.7% 4.8% 5.0% 55%

Capital

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
CET1 Ratio 14.1%
-0.6pp YoY
+0.5pp QoQ
 -1.5pp 15.6% 20.9% 19.7% 59%
Leverage Ratio 10.2%
-0.7pp YoY
+0.2pp QoQ
 -1.1pp 11.3% 14.0% 12.6% 41%
Total Capital Ratio 15.3%
-0.6pp YoY
+0.5pp QoQ
 -1.4pp 16.7% 22.1% 20.8% 61%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Full-Time Employees 303
+34 (+12.6%) YoY
-4 (-1.3%) QoQ
 -11 313 98 482 66%
Assets per Employee ($) $5.2M
+5.4% YoY
-0.4% QoQ
 -$5.2M $10.5M $7.5M $8.8M 5%
Branch Count 10
+5 (+100.0%) YoY
0 QoQ
 -10 20 6 18 29%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.2% 0.1% 0.4% n/a
Nonaccrual 0.6%
+0.5pp YoY
0.0pp QoQ
 -0.3pp 0.8% 0.8% 1.0% 54%
Allowance Coverage 2.55x
-81.1% YoY
-4.1% QoQ
 -16.16x 18.71x 38.10x 20.23x 58%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.1% 0.2% 5%

Profitability

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
ROE 15.6%
+0.9pp YoY
+0.7pp QoQ
 +3.0pp 12.6% 13.6% 11.6% 77%
Cost of Funds (YTD) 1.6%
-0.4pp YoY
0.0pp QoQ
 -0.3pp 1.9% 1.6% 1.7% 27%
Net Income ($, YTD) $12.5M
+19.4% YoY
— QoQ
 -$6.8M $19.2M $6.6M $40.4M 50%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (2)

Revenue Diversifier

growth
#42 of 222 • Top 18.5% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 1.13%
(Tier: 0.53%, National: 0.66%)
better than tier avg
Return on Assets: 1.57%
(Tier: 1.39%, National: 1.30%)
better than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable | QoQ rank improving

Deposit Franchise

growth
#59 of 80 • Top 72.5% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature
Noninterest-Bearing Deposit Share: 28.07%
(Tier: 21.27%, National: 21.98%)
better than tier avg
Net Interest Margin: 4.63%
(Tier: 3.87%, National: 3.95%)
better than tier avg
80 of 80 Mid-Market banks match · 368 nationally
→ Stable -1 banks QoQ | QoQ rank improving

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 885 peers in $1B-$10B

Top Strengths (3 metrics)

50
Non-Interest Income / Assets
revenue_mix
Value: 1.13%
Peer Median: 0.53%
#50 of 885 Top 5.5% in $1B-$10B
90
Net Interest Margin
profitability
Value: 4.63%
Peer Median: 3.87%
#90 of 885 Top 10.1% in $1B-$10B
177
Non-Interest-Bearing Deposit Share
funding
Value: 28.07%
Peer Median: 21.27%
#177 of 885 Top 19.9% in $1B-$10B

Top Weaknesses (1 metrics)

694
Efficiency Ratio
profitability
Value: 69.66%
Peer Median: 59.73%
#694 of 885 Bottom 21.7% in $1B-$10B
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