BlastPoint's Banking Scorecard
BankSouth
Community
Specialty: Commercial
GA
FDIC cert 16418
Greensboro, GA
1484
banks in Community tier nationally
36 in GA
View Community leaderboard (GA) →
BankSouth shows strong momentum with 1 strength and 17.1% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 11% in Community
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.6B
+17.1% YoY
+16.8% QoQ
|
+$164.7M |
$1.4B
+2.0% YoY
|
$791.9M
+9.3% YoY
|
$5.9B
+6.5% YoY
|
71% |
| Total Loans ? |
$1.2B
+12.3% YoY
+12.8% QoQ
|
+$227.1M |
$975.5M
+2.4% YoY
|
$538.5M
+10.1% YoY
|
$3.1B
+8.5% YoY
|
75% |
| Total Deposits ? |
$1.3B
+18.2% YoY
+19.0% QoQ
|
+$175.0M |
$1.2B
+1.7% YoY
|
$671.4M
+8.0% YoY
|
$4.7B
+6.3% YoY
|
72% |
| Return on Assets ? |
1.52%
-0.5% YoY
+2.3% QoQ
|
+0.36% |
1.16%
+17.2% YoY
|
1.46%
+11.8% YoY
|
1.12%
+15.6% YoY
|
75% |
| Net Interest Margin ? |
4.54%
+9.0% YoY
+4.2% QoQ
|
+0.87% |
3.66%
+9.1% YoY
|
4.40%
+3.8% YoY
|
3.75%
+7.1% YoY
|
Top 12% in tier |
| Efficiency Ratio ? |
72.47%
-0.2% YoY
-0.3% QoQ
|
+9.83% |
62.63%
-5.3% YoY
|
59.78%
-5.5% YoY
|
65.09%
-5.1% YoY
|
22% |
| Delinquency Rate ? |
0.53%
+60.4% YoY
+109.0% QoQ
|
-0.10% |
0.63%
+18.3% YoY
|
0.67%
+32.9% YoY
|
0.66%
+20.3% YoY
|
45% |
| Loan-to-Deposit Ratio ? |
89.77%
-5.0% YoY
-5.2% QoQ
|
+6.71% |
83.06%
+0.3% YoY
|
72.12%
+2.8% YoY
|
78.04%
+0.7% YoY
|
35% |
| Non-Interest-Bearing Deposit Share ? |
26.00%
+10.3% YoY
+6.7% QoQ
|
+4.95% |
21.05%
-0.9% YoY
|
27.08%
-1.1% YoY
|
21.79%
-1.3% YoY
|
73% |
| Nonperforming Asset Ratio ? |
0.42%
+57.3% YoY
+106.4% QoQ
|
-0.08% |
0.50%
+20.3% YoY
|
0.46%
+30.5% YoY
|
0.48%
+20.8% YoY
|
44% |
| Tier 1 Capital Ratio ? |
13.02%
-1.4% YoY
-12.2% QoQ
|
+2.78% |
10.24%
-0.6% YoY
|
12.12%
+2.1% YoY
|
9.75%
-1.9% YoY
|
58% |
| Non-Interest Income / Assets ? |
2.19%
-28.9% YoY
+9.6% QoQ
|
+1.45% |
0.74%
-1.3% YoY
|
0.53%
-2.9% YoY
|
0.65%
+0.6% YoY
|
Top 4% in tier |
Signature Analysis
Strengths (1)
Revenue Diversifier
growth
#43 of 371 · Top 11% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
2.19%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
1.52%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank improving
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
96
96th pctile
Non-Interest Income / Assets
Current: 2.19% · Tier avg: 0.74%
88
88th pctile
Net Interest Margin
Current: 4.54% · Tier avg: 3.66%
75
75th pctile
Total Loans
Current: $1.2B · Tier avg: $975.5M
75
75th pctile
Return on Assets
Current: 1.52% · Tier avg: 1.16%
73
73th pctile
Non-Interest-Bearing Deposit Share
Current: 26.00% · Tier avg: 21.05%
72
72th pctile
Total Deposits
Current: $1.3B · Tier avg: $1.2B
71
71th pctile
Total Assets
Current: $1.6B · Tier avg: $1.4B
58
58th pctile
Tier 1 Capital Ratio
Current: 13.02% · Tier avg: 10.24%
45
45th pctile
Delinquency Rate
Current: 0.53% · Tier avg: 0.63%
44
44th pctile
Nonperforming Asset Ratio
Current: 0.42% · Tier avg: 0.50%
35
35th pctile
Loan-to-Deposit Ratio
Current: 89.77% · Tier avg: 83.06%
22
22th pctile
Efficiency Ratio
Current: 72.47% · Tier avg: 62.63%
Top Weaknesses
22
22th pctile
Efficiency Ratio
Current: 72.47% · Tier avg: 62.63%
35
35th pctile
Loan-to-Deposit Ratio
Current: 89.77% · Tier avg: 83.06%
44
44th pctile
Nonperforming Asset Ratio
Current: 0.42% · Tier avg: 0.50%
45
45th pctile
Delinquency Rate
Current: 0.53% · Tier avg: 0.63%
58
58th pctile
Tier 1 Capital Ratio
Current: 13.02% · Tier avg: 10.24%
71
71th pctile
Total Assets
Current: $1.6B · Tier avg: $1.4B
72
72th pctile
Total Deposits
Current: $1.3B · Tier avg: $1.2B
73
73th pctile
Non-Interest-Bearing Deposit Share
Current: 26.00% · Tier avg: 21.05%
75
75th pctile
Return on Assets
Current: 1.52% · Tier avg: 1.16%
75
75th pctile
Total Loans
Current: $1.2B · Tier avg: $975.5M
88
88th pctile
Net Interest Margin
Current: 4.54% · Tier avg: 3.66%
96
96th pctile
Non-Interest Income / Assets
Current: 2.19% · Tier avg: 0.74%