BlastPoint's Banking Scorecard
PrimeSouth Bank
Designations: ✓ Community bank
Blackshear, GA
8 branches across GA · FL
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 +8.1% year over year ($1.3B on the books).
- Delinquency rate 1.50%.
- Return on assets 1.92%.
- Efficiency ratio 45.85% vs a 59.73% peer average.
- Loan-to-deposit ratio 97.97% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
PrimeSouth Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.78% above tier average
- + ROA 0.53% above tier average
- + Efficiency Ratio 13.88% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 0.64% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.6B
+13.7% YoY
+4.1% QoQ
|
-$1.2B |
$2.8B
-0.6% YoY
|
$843.5M
+13.2% YoY
|
$6.3B
+7.7% YoY
|
39% |
| Total Loans ? |
$1.3B
+16.2% YoY
+4.6% QoQ
|
-$663.0M |
$2.0B
-0.3% YoY
|
$581.6M
+14.3% YoY
|
$3.2B
+9.4% YoY
|
47% |
| Total Deposits ? |
$1.3B
+8.1% YoY
+1.6% QoQ
|
-$991.6M |
$2.3B
-0.5% YoY
|
$711.6M
+12.3% YoY
|
$4.9B
+7.3% YoY
|
38% |
| Return on Assets ? |
1.92%
-1.7% YoY
+2.4% QoQ
|
+0.53% |
1.39%
+17.0% YoY
|
1.55%
+0.3% YoY
|
1.30%
+12.1% YoY
|
Top 14.6% in tier |
| Net Interest Margin ? |
4.65%
-0.7% YoY
+0.4% QoQ
|
+0.78% |
3.87%
+6.2% YoY
|
4.42%
+1.2% YoY
|
3.95%
+4.9% YoY
|
Top 9.5% in tier |
| Efficiency Ratio ? |
45.85%
-1.5% YoY
-2.6% QoQ
|
-13.88% |
59.73%
-12.6% YoY
|
63.07%
+1.6% YoY
|
70.05%
+2.5% YoY
|
Top 13.6% in tier |
| Delinquency Rate ? |
1.50%
+153.2% YoY
+32.1% QoQ
|
+0.64% |
0.87%
+11.7% YoY
|
0.77%
+14.9% YoY
|
0.98%
+16.3% YoY
|
16% |
| Loan-to-Deposit Ratio ? |
97.97%
+7.5% YoY
+2.9% QoQ
|
+12.93% |
85.04%
-0.1% YoY
|
78.13%
+10.7% YoY
|
79.03%
+2.3% YoY
|
19% |
| Non-Interest-Bearing Deposit Share ? |
23.55%
-7.6% YoY
-2.2% QoQ
|
+2.28% |
21.27%
-1.5% YoY
|
26.00%
-3.3% YoY
|
21.98%
-0.6% YoY
|
66% |
| Nonperforming Asset Ratio ? |
1.23%
+161.9% YoY
+32.1% QoQ
|
+0.56% |
0.67%
+11.7% YoY
|
0.54%
+11.1% YoY
|
0.69%
+15.8% YoY
|
15% |
| Tier 1 Capital Ratio ? |
14.63%
-1.2% YoY
+0.5% QoQ
|
-0.21% |
14.84%
-0.4% YoY
|
19.50%
+7.6% YoY
|
17.09%
+0.8% YoY
|
70% |
| Non-Interest Income / Assets ? |
0.31%
+6.8% YoY
+111.0% QoQ
|
-0.22% |
0.53%
+2.5% YoY
|
0.44%
+3.6% YoY
|
0.66%
+5.2% YoY
|
55% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
23.5%
-1.9pp YoY -0.5pp QoQ |
+2.2pp | 21.4% | 26.2% | 22.2% | 66% |
| Brokered Deposits |
6.9%
+4.9pp YoY +1.9pp QoQ |
-2.6pp | 9.5% | 7.5% | 8.5% | 58% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
10.3%
-0.6pp YoY -0.3pp QoQ |
-3.7pp | 14.0% | 9.7% | 12.5% | 45% |
| CRE |
50.8%
+2.3pp YoY +0.1pp QoQ |
+0.8pp | 50.0% | 48.9% | 41.4% | 54% |
| 1-4 Family |
34.1%
-0.8pp YoY +0.5pp QoQ |
+7.7pp | 26.4% | 31.7% | 31.3% | 73% |
| Consumer |
1.4%
-0.3pp YoY 0.0pp QoQ |
-3.3pp | 4.7% | 4.8% | 5.0% | 53% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
14.6%
-0.2pp YoY +0.1pp QoQ |
-1.0pp | 15.6% | 20.9% | 19.7% | 66% |
| Leverage Ratio |
12.0%
+0.5pp YoY +0.1pp QoQ |
+0.7pp | 11.3% | 14.0% | 12.6% | 76% |
| Total Capital Ratio |
15.9%
-0.2pp YoY +0.1pp QoQ |
-0.8pp | 16.7% | 22.1% | 20.8% | 67% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
170
0 YoY 0 QoQ |
-144 | 313 | 98 | 482 | 31% |
| Assets per Employee ($) |
$9.4M
+13.7% YoY +4.1% QoQ |
-$1.1M | $10.5M | $7.5M | $8.8M | 59% |
| Branch Count |
8
0 YoY 0 QoQ |
-12 | 20 | 6 | 18 | 20% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.1% | 0.4% | n/a |
| Nonaccrual |
1.5%
+1.0pp YoY +0.4pp QoQ |
+0.7pp | 0.8% | 0.8% | 1.0% | 86% |
| Allowance Coverage |
0.98x
-60.8% YoY -24.0% QoQ |
-17.73x | 18.71x | 38.10x | 20.23x | 23% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.3% | 0.1% | 0.2% | 47% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
17.6%
-1.4pp YoY +0.4pp QoQ |
+5.0pp | 12.6% | 13.6% | 11.6% | 85% |
| Cost of Funds (YTD) |
1.6%
-0.1pp YoY 0.0pp QoQ |
-0.3pp | 1.9% | 1.6% | 1.7% | 27% |
| Net Income ($, YTD) |
$14.7M
+10.0% YoY — QoQ |
-$4.5M | $19.2M | $6.6M | $40.4M | 59% |
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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.