BlastPoint's Banking Scorecard
PrimeSouth Bank
Designations: ✓ Community bank
Blackshear, GA
8 branches across GA · FL
PrimeSouth Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.81% above tier average
- + ROA 0.51% above tier average
- + Efficiency Ratio 13.98% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 0.25% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.5B
+12.4% YoY
+4.9% QoQ
|
-$1.3B |
$2.8B
-0.1% YoY
|
$814.8M
+10.0% YoY
|
$6.2B
+9.1% YoY
|
36% |
| Total Loans ? |
$1.2B
+13.8% YoY
+3.9% QoQ
|
-$721.5M |
$2.0B
+0.6% YoY
|
$550.6M
+10.4% YoY
|
$3.2B
+10.8% YoY
|
44% |
| Total Deposits ? |
$1.3B
+9.3% YoY
+3.6% QoQ
|
-$1.0B |
$2.3B
-0.3% YoY
|
$689.3M
+8.9% YoY
|
$4.8B
+8.2% YoY
|
37% |
| Return on Assets ? |
1.87%
-0.9% YoY
-5.6% QoQ
|
+0.51% |
1.37%
+19.6% YoY
|
1.50%
+0.6% YoY
|
1.23%
+13.4% YoY
|
Top 14.3% in tier |
| Net Interest Margin ? |
4.63%
+0.4% YoY
-1.8% QoQ
|
+0.81% |
3.82%
+6.9% YoY
|
4.36%
+2.3% YoY
|
3.89%
+5.7% YoY
|
Top 9.2% in tier |
| Efficiency Ratio ? |
47.08%
-1.7% YoY
+0.9% QoQ
|
-13.98% |
61.06%
-4.6% YoY
|
62.13%
-1.5% YoY
|
66.95%
-4.1% YoY
|
Top 14.1% in tier |
| Delinquency Rate ? |
1.14%
+107.2% YoY
+51.2% QoQ
|
+0.25% |
0.89%
+14.1% YoY
|
0.81%
+32.9% YoY
|
0.95%
+18.8% YoY
|
23% |
| Loan-to-Deposit Ratio ? |
95.20%
+4.1% YoY
+0.3% QoQ
|
+11.00% |
84.20%
+0.3% YoY
|
71.10%
+2.8% YoY
|
76.70%
+0.9% YoY
|
24% |
| Non-Interest-Bearing Deposit Share ? |
24.09%
-5.6% YoY
+4.4% QoQ
|
+2.80% |
21.29%
-2.5% YoY
|
26.76%
-3.7% YoY
|
22.01%
-1.2% YoY
|
68% |
| Nonperforming Asset Ratio ? |
0.93%
+113.1% YoY
+48.4% QoQ
|
+0.26% |
0.67%
+15.6% YoY
|
0.56%
+24.4% YoY
|
0.67%
+19.3% YoY
|
23% |
| Tier 1 Capital Ratio ? |
14.56%
-0.1% YoY
-0.6% QoQ
|
-0.60% |
15.16%
+2.0% YoY
|
17.30%
-0.8% YoY
|
17.06%
+0.8% YoY
|
69% |
| Non-Interest Income / Assets ? |
0.15%
+0.7% YoY
-75.3% QoQ
|
-0.11% |
0.26%
+1.6% YoY
|
0.21%
+3.2% YoY
|
0.32%
+4.1% YoY
|
52% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.