BlastPoint's Banking Scorecard

FNB SOUTH

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

Alma, GA

4 branches across GA

2664 banks in the $100M-$1B peer group nationally 99 in GA

FNB SOUTH 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

+ Profitability Leader: Top 26.3% in tier
+ Deposit Franchise: Top 29.0% in tier
+ Efficiency Ratio 19.86% below tier average
+ Delinquency Rate 0.89% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 25.4% in tier

Get updates when FNB SOUTH releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Total Assets ?	$716.5M +1.9% YoY +0.4% QoQ	+$330.4M	$386.1M +0.5% YoY	$814.8M +10.0% YoY	$6.2B +9.1% YoY	Top 11.9% in tier
Total Loans ?	$464.1M +10.9% YoY +2.4% QoQ	+$208.4M	$255.7M +1.1% YoY	$550.6M +10.4% YoY	$3.2B +10.8% YoY	Top 14.3% in tier
Total Deposits ?	$596.1M +0.5% YoY -0.1% QoQ	+$268.1M	$328.0M +0.1% YoY	$689.3M +8.9% YoY	$4.8B +8.2% YoY	Top 12.6% in tier
Return on Assets ?	2.64% +9.7% YoY +17.5% QoQ	+1.37%	1.27% +12.9% YoY	1.50% +0.6% YoY	1.23% +13.4% YoY	Top 3.6% in tier
Net Interest Margin ?	5.27% +7.0% YoY -0.1% QoQ	+1.34%	3.93% +6.0% YoY	4.36% +2.3% YoY	3.89% +5.7% YoY	Top 4.4% in tier
Efficiency Ratio ?	45.43% -5.3% YoY -2.4% QoQ	-19.86%	65.29% -4.5% YoY	62.13% -1.5% YoY	66.95% -4.1% YoY	Top 9.3% in tier
Delinquency Rate ?	0.00% -100.0% YoY	-0.89%	0.89% +18.8% YoY	0.81% +32.9% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	77.87% +10.4% YoY +2.4% QoQ	+1.23%	76.64% +0.8% YoY	71.10% +2.8% YoY	76.70% +0.9% YoY	51%
Non-Interest-Bearing Deposit Share ?	33.00% -6.1% YoY -0.9% QoQ	+10.98%	22.02% -1.0% YoY	26.76% -3.7% YoY	22.01% -1.2% YoY	Top 12.5% in tier
Nonperforming Asset Ratio ?	0.08% -19.4% YoY -0.4% QoQ	-0.56%	0.64% +19.7% YoY	0.56% +24.4% YoY	0.67% +19.3% YoY	73%
Tier 1 Capital Ratio ?	22.85% +2.4% YoY +2.1% QoQ	+7.02%	15.83% +1.5% YoY	17.30% -0.8% YoY	17.06% +0.8% YoY	Top 8.8% in tier
Non-Interest Income / Assets ?	0.14% -8.1% YoY -76.4% QoQ	-0.14%	0.28% +9.3% YoY	0.21% +3.2% YoY	0.32% +4.1% YoY	70%

Get Full Access to FNB SOUTH

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

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

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 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)

Profitability Leader

growth

#176 of 666 • Top 26.3% in tier

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

Why this signature

Return on Assets: 2.64%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Deposit Franchise

growth

#80 of 272 • Top 29.0% 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: 33.00%

(Tier: 22.02%, National: 22.01%)

better than tier avg

Net Interest Margin: 5.27%

(Tier: 3.93%, National: 3.89%)

better than tier avg

272 of 272 Community banks match · 369 nationally

→ Stable -14 banks QoQ | QoQ rank improving

Concerns (1)

Liquidity Overhang

risk

#189 of 739 • Bottom 25.4% 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: 22.85%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 77.87%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank improving

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 2664 peers in $100M-$1B

Top Strengths (9 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Return on Assets

profitability

Value: 2.64%

Peer Median: 1.27%

#98 of 2664 Top 3.6% in $100M-$1B

119

Net Interest Margin

profitability

Value: 5.27%

Peer Median: 3.93%

#119 of 2664 Top 4.4% in $100M-$1B

236

Tier 1 Capital Ratio

capital

Value: 22.85%

Peer Median: 15.83%

#236 of 2664 Top 8.8% in $100M-$1B

250

Efficiency Ratio

profitability

Value: 45.43%

Peer Median: 65.29%

#250 of 2664 Top 9.3% in $100M-$1B

317

Total Assets

size

Value: $716.49M

Peer Median: $386.08M

#317 of 2664 Top 11.9% in $100M-$1B

335

Non-Interest-Bearing Deposit Share

funding

Value: 33.00%

Peer Median: 22.02%

#335 of 2664 Top 12.5% in $100M-$1B

337

Total Deposits

size

Value: $596.06M

Peer Median: $327.97M

#337 of 2664 Top 12.6% in $100M-$1B

381

Total Loans

size

Value: $464.14M

Peer Median: $255.72M

#381 of 2664 Top 14.3% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available