$1.62B
+18.8%y/y
Percentile by value56th percentileby value
FDIC
ASSETB
BankSouth
Greensboro, GeorgiaFDIC Cert #16418
OCCEstablished 194610 branches
Holding company: BANKSOUTH HOLDING CORegulator: OCC
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportBankSouth reported $1.62B in total assets. Deposits grew 20.45% over the prior year.
Return on assets was 1.48%, compared with an asset-peer median of 1.16%. The leverage ratio was 9.93%.
- Why is Deposit Growth, Year over Year above asset peers?
- Why is Efficiency Ratio above asset peers?
- Why is Noncurrent Loan Ratio below asset peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$1.4B
+20.5%y/y
Percentile by value59th percentileby value
FDIC
DEP$1.17B
+9.2%y/y
Percentile by value58th percentileby value
FDIC
LNLSNET1.48%
+3 bpsy/y
Peer standing70th percentile
FDIC
NETINC + ROA70.30%
−180 bpsy/y
Peer standing26th percentile
FDIC
NONIX + NIM + NONII + EEFFR9.93%
−73 bpsy/y
Peer standing35th percentile
FDIC
RBC1AAJPercentiles compare this bank with 629 banks from $1 billion to $3 billion.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $1.08B | $932M |
| Q3 2021 | $1.13B | $979M |
| Q4 2021 | $1.18B | $1.04B |
| Q1 2022 | $1.27B | $1.11B |
| Q2 2022 | $1.19B | $1.03B |
| Q3 2022 | $1.19B | $1.05B |
| Q4 2022 | $1.13B | $984M |
| Q1 2023 | $1.24B | $1.02B |
| Q2 2023 | $1.24B | $1.06B |
| Q3 2023 | $1.25B | $1.06B |
| Q4 2023 | $1.25B | $1.04B |
| Q1 2024 | $1.29B | $1.1B |
| Q2 2024 | $1.33B | $1.14B |
| Q3 2024 | $1.35B | $1.15B |
| Q4 2024 | $1.33B | $1.13B |
| Q1 2025 | $1.36B | $1.16B |
| Q2 2025 | $1.34B | $1.13B |
| Q3 2025 | $1.33B | $1.13B |
| Q4 2025 | $1.56B | $1.34B |
| Q1 2026 | $1.62B | $1.4B |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $99.5M |
| Investor CRE | $209M |
| Multifamily | $28.1M |
| Construction | $162M |
| 1–4 family | $596M |
| C&I | $54.4M |
| Agriculture | $17.5M |
| Other | $19.3M |
Peer comparison
How this bank compares
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.48%70th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.47%Median 1.16%90th 2.03%Observations 629
ROE
FDIC
NETINC + ROE14.92%75th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 4.37%Median 11.64%90th 19.98%Observations 629
NIM
FDIC
NIM + NIMY4.58%90th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.81%Median 3.64%90th 4.58%Observations 630
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR70.30%26th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 45.28%Median 61.40%90th 80.08%Observations 629
Deposits YoY
FDIC
DEP+20.45%92nd percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.50%Median +4.71%90th +17.76%Observations 624
Loans YoY
FDIC
LNLSNET+9.16%69th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −1.84%Median +5.89%90th +17.13%Observations 623
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.55%47th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.06%Median 0.52%90th 1.91%Observations 623
Leverage
FDIC
RBC1AAJ9.93%35th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.85%Median 10.50%90th 14.46%Observations 630
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.33%66th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.77%Median 2.61%90th 3.65%Observations 624
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC236%53rd percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 88%Median 225%90th 349%Observations 464
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.48%45th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.36%Median 1.53%90th 2.40%Observations 128
ROE
FDIC
NETINC + ROE14.92%57th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 4.24%Median 14.35%90th 21.49%Observations 128
NIM
FDIC
NIM + NIMY4.58%57th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.41%Median 4.46%90th 5.37%Observations 128
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR70.30%24th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 44.00%Median 59.09%90th 85.17%Observations 128
Deposits YoY
FDIC
DEP+20.45%91st percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −1.29%Median +5.23%90th +19.07%Observations 127
Loans YoY
FDIC
LNLSNET+9.16%50th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −1.48%Median +8.97%90th +23.88%Observations 126
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.55%41st percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.03%Median 0.44%90th 2.07%Observations 126
Leverage
FDIC
RBC1AAJ9.93%22nd percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.22%Median 11.22%90th 15.62%Observations 128
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.33%46th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.27%Median 2.30%90th 3.10%Observations 127
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC236%79th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 31%Median 174%90th 268%Observations 85
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.48%50th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.76%Median 1.48%90th 2.42%Observations 9
ROE
FDIC
NETINC + ROE14.92%50th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 8.99%Median 14.92%90th 24.67%Observations 9
NIM
FDIC
NIM + NIMY4.58%63rd percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 4.04%Median 4.41%90th 4.68%Observations 9
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR70.30%13th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 42.52%Median 59.10%90th 77.45%Observations 9
Deposits YoY
FDIC
DEP+20.45%100th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th +4.10%Median +6.50%90th +12.75%Observations 9
Loans YoY
FDIC
LNLSNET+9.16%25th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th +2.38%Median +10.87%90th +12.56%Observations 9
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.55%50th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.23%Median 0.55%90th 0.97%Observations 9
Leverage
FDIC
RBC1AAJ9.93%25th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.53%Median 10.17%90th 11.95%Observations 9
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.33%25th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.52%Median 2.27%90th 2.97%Observations 9
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC236%57th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 154%Median 234%90th 286%Observations 8
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Branches & markets
Physical footprint
10 domestic branches reported in the latest Call Report.
FDIC
OFFDOMHistory
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data