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FNB SOUTH

Community Specialty: Commercial GA FDIC cert 17011

Alma, GA

1484 banks in Community tier nationally 36 in GA
View Community leaderboard (GA) →

FNB SOUTH has 4 strengths but faces 1 concern

Key Strengths

Areas where this bank excels compared to peers

  • + Deposit Franchise: Top 15% in Community
  • + Return on Assets 1.08% above tier
  • + Delinquency Rate 0.63% below tier
  • + Tier 1 Capital Ratio 12.14% above tier

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 37% in Community

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Total Assets ? $713.6M
+3.6% YoY +0.8% QoQ
-$677.9M $1.4B
+2.0% YoY
$791.9M
+9.3% YoY
$5.9B
+6.5% YoY
28%
Total Loans ? $453.5M
+9.3% YoY +2.0% QoQ
-$522.0M $975.5M
+2.4% YoY
$538.5M
+10.1% YoY
$3.1B
+8.5% YoY
23%
Total Deposits ? $596.5M
+2.3% YoY +1.4% QoQ
-$568.1M $1.2B
+1.7% YoY
$671.4M
+8.0% YoY
$4.7B
+6.3% YoY
27%
Return on Assets ? 2.24%
-8.8% YoY -15.7% QoQ
+1.08% 1.16%
+17.2% YoY
1.46%
+11.8% YoY
1.12%
+15.6% YoY
Top 6% in tier
Net Interest Margin ? 5.27%
+1.1% YoY +0.1% QoQ
+1.61% 3.66%
+9.1% YoY
4.40%
+3.8% YoY
3.75%
+7.1% YoY
Top 3% in tier
Efficiency Ratio ? 46.56%
-1.6% YoY +1.2% QoQ
-16.07% 62.63%
-5.3% YoY
59.78%
-5.5% YoY
65.09%
-5.1% YoY
Top 10% in tier
Delinquency Rate ? 0.00%
-100.0% YoY -100.0% QoQ
-0.63% 0.63%
+18.3% YoY
0.67%
+32.9% YoY
0.66%
+20.3% YoY
Top 1% in tier
Loan-to-Deposit Ratio ? 76.02%
+6.8% YoY +0.6% QoQ
-7.04% 83.06%
+0.3% YoY
72.12%
+2.8% YoY
78.04%
+0.7% YoY
70%
Non-Interest-Bearing Deposit Share ? 33.30%
-2.6% YoY +1.0% QoQ
+12.26% 21.05%
-0.9% YoY
27.08%
-1.1% YoY
21.79%
-1.3% YoY
Top 11% in tier
Nonperforming Asset Ratio ? 0.08%
-29.3% YoY -40.5% QoQ
-0.42% 0.50%
+20.3% YoY
0.46%
+30.5% YoY
0.48%
+20.8% YoY
82%
Tier 1 Capital Ratio ? 22.38%
+2.0% YoY -2.4% QoQ
+12.14% 10.24%
-0.6% YoY
12.12%
+2.1% YoY
9.75%
-1.9% YoY
Top 4% in tier
Non-Interest Income / Assets ? 0.59%
-18.6% YoY +34.6% QoQ
-0.15% 0.74%
-1.3% YoY
0.53%
-2.9% YoY
0.65%
+0.6% YoY
59%

Signature Analysis

Strengths (4)

Deposit Franchise

growth
#24 of 150 · Top 15% in Community

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature
Noninterest-Bearing Deposit Share: 33.30%
(Tier: 21.05%, National: 21.79%)
better than tier avg
Net Interest Margin: 5.27%
(Tier: 3.66%, National: 3.75%)
better than tier avg
150 of 150 Community banks match · 176 nationally
→ Stable +2 banks QoQ | QoQ rank improving

Return on Assets

metric
Top 6% in Community
Why this stands out
Current: 2.24%
(Tier avg: 1.16%, National avg: 1.12%)

Delinquency Rate

metric
Top 1% in Community
Why this stands out
Current: 0.00%
(Tier avg: 0.63%, National avg: 0.66%)

Tier 1 Capital Ratio

metric
Top 4% in Community
Why this stands out
Current: 22.38%
(Tier avg: 10.24%, National avg: 9.75%)

Concerns (1)

Liquidity Overhang

risk
#101 of 268 · Bottom 37% in Community

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Risk-Based Capital Ratio: 22.38%
(Tier: 10.24%, National: 9.75%)
better than tier avg
Loan-to-Deposit Ratio: 76.02%
(Tier: 83.06%, National: 78.04%)
better than tier avg
268 of 268 Community banks match · 314 nationally
→ Stable +6 banks QoQ | QoQ rank declining

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%

Comparing against 1484 peers in Community tier

Top Strengths

100
Delinquency Rate
Current: 0.00% · Tier avg: 0.63%
100th pctile
97
Net Interest Margin
Current: 5.27% · Tier avg: 3.66%
97th pctile
96
Tier 1 Capital Ratio
Current: 22.38% · Tier avg: 10.24%
96th pctile
94
Return on Assets
Current: 2.24% · Tier avg: 1.16%
94th pctile
90
Efficiency Ratio
Current: 46.56% · Tier avg: 62.63%
90th pctile
89
Non-Interest-Bearing Deposit Share
Current: 33.30% · Tier avg: 21.05%
89th pctile
82
Nonperforming Asset Ratio
Current: 0.08% · Tier avg: 0.50%
82th pctile
70
Loan-to-Deposit Ratio
Current: 76.02% · Tier avg: 83.06%
70th pctile
59
Non-Interest Income / Assets
Current: 0.59% · Tier avg: 0.74%
59th pctile
28
Total Assets
Current: $713.6M · Tier avg: $1.4B
28th pctile
27
Total Deposits
Current: $596.5M · Tier avg: $1.2B
27th pctile
23
Total Loans
Current: $453.5M · Tier avg: $975.5M
23th pctile

Top Weaknesses

23
Total Loans
Current: $453.5M · Tier avg: $975.5M
23th pctile
27
Total Deposits
Current: $596.5M · Tier avg: $1.2B
27th pctile
28
Total Assets
Current: $713.6M · Tier avg: $1.4B
28th pctile
59
Non-Interest Income / Assets
Current: 0.59% · Tier avg: 0.74%
59th pctile
70
Loan-to-Deposit Ratio
Current: 76.02% · Tier avg: 83.06%
70th pctile
82
Nonperforming Asset Ratio
Current: 0.08% · Tier avg: 0.50%
82th pctile
89
Non-Interest-Bearing Deposit Share
Current: 33.30% · Tier avg: 21.05%
89th pctile
90
Efficiency Ratio
Current: 46.56% · Tier avg: 62.63%
90th pctile
94
Return on Assets
Current: 2.24% · Tier avg: 1.16%
94th pctile
96
Tier 1 Capital Ratio
Current: 22.38% · Tier avg: 10.24%
96th pctile
97
Net Interest Margin
Current: 5.27% · Tier avg: 3.66%
97th pctile
100
Delinquency Rate
Current: 0.00% · Tier avg: 0.63%
100th pctile
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