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BankSouth

$100M-$1B Specialty: Commercial AL FDIC cert 77

Dothan, AL

2 branches across AL

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 63 in AL.
  • Deposits +5.7% year over year ($178.4M on the books).
  • Delinquency rate 0.02%.
  • Return on assets 1.39%.
  • Efficiency ratio 60.49% vs a 64.48% peer average.
  • Loan-to-deposit ratio 100.09% 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 63 in AL
View $100M-$1B leaderboard (AL) →

BankSouth has 3 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

  • + Credit Quality Leader: Top 20.3% in tier
  • + ROA 0.07% above tier average
  • + Efficiency Ratio 3.99% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 19.1% in tier
  • - Non-Interest Income / Assets 0.56% below tier average
  • - Net Interest Margin 0.11% below tier average
Get updates when BankSouth releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Total Assets ? $221.5M
+5.2% YoY +1.6% QoQ
-$165.1M $386.6M
+1.2% YoY
$2.5B
+1.5% YoY
$6.3B
+7.7% YoY
31%
Total Loans ? $178.6M
+6.6% YoY +4.7% QoQ
-$79.8M $258.3M
+1.7% YoY
$1.6B
+2.8% YoY
$3.2B
+9.4% YoY
43%
Total Deposits ? $178.4M
+5.7% YoY +1.7% QoQ
-$148.3M $326.7M
+0.7% YoY
$2.1B
+0.3% YoY
$4.9B
+7.3% YoY
29%
Return on Assets ? 1.39%
+5.8% YoY +9.0% QoQ
+0.07% 1.32%
+10.8% YoY
0.89%
-13.0% YoY
1.30%
+12.1% YoY
58%
Net Interest Margin ? 3.88%
+7.6% YoY +2.2% QoQ
-0.11% 3.99%
+5.0% YoY
4.02%
+3.4% YoY
3.95%
+4.9% YoY
46%
Efficiency Ratio ? 60.49%
+0.4% YoY -4.2% QoQ
-3.99% 64.48%
-3.2% YoY
69.53%
+4.0% YoY
70.05%
+2.5% YoY
56%
Delinquency Rate ? 0.02%
-6.2% YoY -4.5% QoQ
-0.90% 0.92%
+15.7% YoY
1.13%
+25.5% YoY
0.98%
+16.3% YoY
84%
Loan-to-Deposit Ratio ? 100.09%
+0.9% YoY +3.0% QoQ
+22.14% 77.95%
+1.0% YoY
67.62%
+0.9% YoY
79.03%
+2.3% YoY
Bottom 10.2% in tier
Non-Interest-Bearing Deposit Share ? 13.33%
-10.6% YoY -9.6% QoQ
-8.70% 22.03%
-0.6% YoY
24.04%
+0.1% YoY
21.98%
-0.6% YoY
18%
Nonperforming Asset Ratio ? 0.02%
-5.0% YoY -1.6% QoQ
-0.65% 0.67%
+16.4% YoY
0.74%
+25.2% YoY
0.69%
+15.8% YoY
85%
Tier 1 Capital Ratio ? 19.06%
-1.2% YoY -1.8% QoQ
+3.15% 15.91%
+1.4% YoY
15.01%
+1.3% YoY
17.09%
+0.8% YoY
84%
Non-Interest Income / Assets ? 0.01%
-19.6% YoY +80.4% QoQ
-0.56% 0.57%
+7.6% YoY
0.35%
-14.4% YoY
0.66%
+5.2% YoY
Bottom 1.1% 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 (AL) National Avg Tier Percentile
Noninterest-Bearing 13.3%
-1.6pp YoY
-1.4pp QoQ
 -8.8pp 22.1% 24.0% 22.2% 18%
Brokered Deposits n/a n/a 7.9% 5.5% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
C&I 9.9%
-2.8pp YoY
-0.8pp QoQ
 -1.7pp 11.6% 16.9% 12.5% 52%
CRE n/a n/a 39.5% 43.5% 41.4% n/a
1-4 Family 62.2%
+6.2pp YoY
+1.8pp QoQ
 +29.6pp 32.6% 30.6% 31.3% 91%
Consumer 0.7%
0.0pp YoY
-0.2pp QoQ
 -3.4pp 4.1% 5.7% 5.0% 22%

Capital

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 15.1% 19.7% n/a
Leverage Ratio 19.1%
-0.2pp YoY
-0.4pp QoQ
 +6.9pp 12.2% 13.2% 12.6% 96%
Total Capital Ratio n/a n/a 19.9% 16.2% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Full-Time Employees 24
+2 (+9.1%) YoY
0 QoQ
 -35 58 304 482 17%
Assets per Employee ($) $9.2M
-3.5% YoY
+1.6% QoQ
 +$1.7M $7.5M $6.9M $8.8M 81%
Branch Count 2
0 YoY
0 QoQ
 -3 4 20 18 11%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.2% 0.4% n/a
Nonaccrual 0.0%
0.0pp YoY
0.0pp QoQ
 -0.9pp 0.9% 1.2% 1.0% 6%
Allowance Coverage 76.08x
0.0% YoY
0.0% QoQ
 +51.93x 24.15x 7.50x 20.23x 96%
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.3% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
ROE 7.3%
+0.4pp YoY
+0.7pp QoQ
 -4.9pp 12.2% 10.0% 11.6% 22%
Cost of Funds (YTD) 1.6%
-0.1pp YoY
0.0pp QoQ
 -0.1pp 1.7% 1.7% 1.7% 43%
Net Income ($, YTD) $1.5M
+8.9% YoY
— QoQ
 -$1.1M $2.6M $17.2M $40.4M 42%

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 (1)

Credit Quality Leader

growth
#135 of 659 • Top 20.3% in tier

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

Why this signature
Delinquency Rate: 0.02%
(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

Concerns (1)

Liquidity Overhang

risk
#143 of 742 • Bottom 19.1% 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: 19.06%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 100.09%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank declining

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 2643 peers in $100M-$1B

Top Strengths (3 metrics)

406
Nonperforming Asset Ratio
credit_quality
Value: 0.02%
Peer Median: 0.67%
#406 of 2643 Top 15.3% in $100M-$1B
416
Tier 1 Capital Ratio
capital
Value: 19.06%
Peer Median: 15.91%
#416 of 2643 Top 15.7% in $100M-$1B
421
Delinquency Rate
credit_quality
Value: 0.02%
Peer Median: 0.92%
#421 of 2633 Top 16.0% in $100M-$1B

Top Weaknesses (3 metrics)

2616
Non-Interest Income / Assets
revenue_mix
Value: 0.01%
Peer Median: 0.57%
#2616 of 2643 Bottom 1.1% in $100M-$1B
2374
Loan-to-Deposit Ratio
liquidity
Value: 100.09%
Peer Median: 77.95%
#2374 of 2643 Bottom 10.2% in $100M-$1B
2157
Non-Interest-Bearing Deposit Share
funding
Value: 13.33%
Peer Median: 22.03%
#2157 of 2643 Bottom 18.4% in $100M-$1B
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