BlastPoint's Banking Scorecard

FNB SOUTH

$100M-$1B Specialty: Commercial GA FDIC cert 17011

Alma, GA

4 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 96 in GA.
Deposits +5.7% year over year ($610.4M on the books).
Delinquency rate 0.00%.
Return on assets 2.64%.
Efficiency ratio 46.14% vs a 64.48% peer average.
Loan-to-deposit ratio 78.91% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 96 in GA

View $100M-$1B leaderboard (GA) →

FNB SOUTH has 4 strengths but faces 3 concerns

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

+ Deposit Franchise: Top 19.8% in tier
+ Credit Quality Leader: Top 24.4% in tier
+ Profitability Leader: Top 35.7% in tier
+ Efficiency Ratio 18.34% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 0.7% in tier
- Liquidity Overhang: Bottom 25.3% in tier
- Credit Risk Growth: Bottom 47.5% in tier

Get updates when FNB SOUTH releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Total Assets ?	$734.8M +6.1% YoY +2.6% QoQ	+$348.3M	$386.6M +1.2% YoY	$843.5M +13.2% YoY	$6.3B +7.7% YoY	Top 11.0% in tier
Total Loans ?	$481.7M +12.0% YoY +3.8% QoQ	+$223.3M	$258.3M +1.7% YoY	$581.6M +14.3% YoY	$3.2B +9.4% YoY	Top 13.2% in tier
Total Deposits ?	$610.4M +5.7% YoY +2.4% QoQ	+$283.6M	$326.7M +0.7% YoY	$711.6M +12.3% YoY	$4.9B +7.3% YoY	Top 11.5% in tier
Return on Assets ?	2.64% +3.2% YoY -0.0% QoQ	+1.31%	1.32% +10.8% YoY	1.55% +0.3% YoY	1.30% +12.1% YoY	Top 3.4% in tier
Net Interest Margin ?	5.38% +5.0% YoY +2.1% QoQ	+1.40%	3.99% +5.0% YoY	4.42% +1.2% YoY	3.95% +4.9% YoY	Top 3.8% in tier
Efficiency Ratio ?	46.14% -1.4% YoY +1.6% QoQ	-18.34%	64.48% -3.2% YoY	63.07% +1.6% YoY	70.05% +2.5% YoY	Top 10.4% in tier
Delinquency Rate ?	0.00%	-0.92%	0.92% +15.7% YoY	0.77% +14.9% YoY	0.98% +16.3% YoY	Top 12.4% in tier
Loan-to-Deposit Ratio ?	78.91% +6.0% YoY +1.3% QoQ	+0.96%	77.95% +1.0% YoY	78.13% +10.7% YoY	79.03% +2.3% YoY	52%
Non-Interest-Bearing Deposit Share ?	34.80% +3.8% YoY +5.5% QoQ	+12.77%	22.03% -0.6% YoY	26.00% -3.3% YoY	21.98% -0.6% YoY	Top 10.1% in tier
Nonperforming Asset Ratio ?	0.07% -29.2% YoY -11.0% QoQ	-0.60%	0.67% +16.4% YoY	0.54% +11.1% YoY	0.69% +15.8% YoY	76%
Tier 1 Capital Ratio ?	22.90% +0.9% YoY +0.2% QoQ	+6.99%	15.91% +1.4% YoY	19.50% +7.6% YoY	17.09% +0.8% YoY	Top 9.1% in tier
Non-Interest Income / Assets ?	0.26% -15.5% YoY +88.7% QoQ	-0.30%	0.57% +7.6% YoY	0.44% +3.6% YoY	0.66% +5.2% YoY	65%

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	34.8% +1.3pp YoY +1.8pp QoQ	+12.7pp	22.1%	26.2%	22.2%	90%
Brokered Deposits	n/a	n/a	7.9%	7.5%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
C&I	11.0% +1.3pp YoY +0.3pp QoQ	-0.6pp	11.6%	9.7%	12.5%	58%
CRE	52.3% -1.2pp YoY -0.3pp QoQ	+12.8pp	39.5%	48.9%	41.4%	74%
1-4 Family	19.1% -0.1pp YoY 0.0pp QoQ	-13.5pp	32.6%	31.7%	31.3%	28%
Consumer	5.5% -1.4pp YoY -0.3pp QoQ	+1.4pp	4.1%	4.8%	5.0%	80%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
CET1 Ratio	22.9% +0.2pp YoY 0.0pp QoQ	+4.1pp	18.8%	20.9%	19.7%	85%
Leverage Ratio	16.2% +0.6pp YoY +0.3pp QoQ	+4.1pp	12.2%	14.0%	12.6%	91%
Total Capital Ratio	24.2% +0.2pp YoY +0.1pp QoQ	+4.2pp	19.9%	22.1%	20.8%	85%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Full-Time Employees	70 -4 (-5.4%) YoY -6 (-7.9%) QoQ	+11	58	98	482	71%
Assets per Employee ($)	$10.5M +12.2% YoY +11.4% QoQ	+$3.0M	$7.5M	$7.5M	$8.8M	88%
Branch Count	4 0 YoY 0 QoQ	-1	4	6	18	42%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Past Due 90+ Days	0.0%	-0.3pp	0.3%	0.1%	0.4%	7%
Nonaccrual	n/a	n/a	0.9%	0.8%	1.0%	n/a
Allowance Coverage	1434.36x	+1410.21x	24.15x	38.10x	20.23x	100%
Net Charge-off Rate (YTD)	-1.5% -0.9pp YoY +0.6pp QoQ	-1.6pp	0.1%	0.1%	0.2%	0%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
ROE	16.9% -0.3pp YoY -0.1pp QoQ	+4.7pp	12.2%	13.6%	11.6%	77%
Cost of Funds (YTD)	1.7% -0.3pp YoY 0.0pp QoQ	0.0pp	1.7%	1.6%	1.7%	52%
Net Income ($, YTD)	$9.5M +7.1% YoY — QoQ	+$7.0M	$2.6M	$6.6M	$40.4M	99%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 (3)

Deposit Franchise

growth

#56 of 278 • Top 19.8% 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: 34.80%

(Tier: 22.03%, National: 21.98%)

better than tier avg

Net Interest Margin: 5.38%

(Tier: 3.99%, National: 3.95%)

better than tier avg

278 of 278 Community banks match · 368 nationally

→ Stable -1 banks QoQ | QoQ rank improving

Credit Quality Leader

growth

#162 of 659 • Top 24.4% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.00%

(Tier: 0.92%, National: 0.98%)

better than tier avg

659 of 659 Community banks match · 920 nationally

→ Stable +1 banks QoQ | QoQ rank improving

Profitability Leader

growth

#237 of 661 • Top 35.7% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.64%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank declining

Concerns (3)

Credit Quality Pressure

risk

#10 of 1256 • Bottom 0.7% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.00%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ

Liquidity Overhang

risk

#189 of 742 • Bottom 25.3% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 22.90%

(Tier: 15.91%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 78.91%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

742 of 742 Community banks match · 940 nationally

→ Stable +7 banks QoQ

Credit Risk Growth

risk

#446 of 936 • Bottom 47.5% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally

→ Stable -58 banks QoQ

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).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (10 metrics)

Return on Assets

profitability

Value: 2.64%

Peer Median: 1.32%

#92 of 2643 Top 3.4% in $100M-$1B

101

Net Interest Margin

profitability

Value: 5.38%

Peer Median: 3.99%

#101 of 2643 Top 3.8% in $100M-$1B

241

Tier 1 Capital Ratio

capital

Value: 22.90%

Peer Median: 15.91%

#241 of 2643 Top 9.1% in $100M-$1B

267

Non-Interest-Bearing Deposit Share

funding

Value: 34.80%

Peer Median: 22.03%

#267 of 2643 Top 10.1% in $100M-$1B

276

Efficiency Ratio

profitability

Value: 46.14%

Peer Median: 64.48%

#276 of 2643 Top 10.4% in $100M-$1B

291

Total Assets

size

Value: $734.82M

Peer Median: $386.57M

#291 of 2643 Top 11.0% in $100M-$1B

304

Total Deposits

size

Value: $610.36M

Peer Median: $326.73M

#304 of 2643 Top 11.5% in $100M-$1B

328

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.92%

#328 of 2633 Top 12.4% in $100M-$1B

351

Total Loans

size

Value: $481.66M

Peer Median: $258.35M

#351 of 2643 Top 13.2% in $100M-$1B

645

Nonperforming Asset Ratio

credit_quality

Value: 0.07%

Peer Median: 0.67%

#645 of 2643 Top 24.4% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available