BlastPoint's Banking Scorecard
PrimeSouth Bank
Community
Specialty: Commercial
GA
FDIC cert 5694
Blackshear, GA
1484
banks in Community tier nationally
36 in GA
View Community leaderboard (GA) →
PrimeSouth Bank shows strong momentum with 2 strengths and 9.3% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 23% in Community
- + Net Interest Margin 1.05% above tier
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 ? |
$1.5B
+9.3% YoY
-0.2% QoQ
|
+$75.6M |
$1.4B
+2.0% YoY
|
$791.9M
+9.3% YoY
|
$5.9B
+6.5% YoY
|
68% |
| Total Loans ? |
$1.2B
+11.2% YoY
+1.4% QoQ
|
+$221.2M |
$975.5M
+2.4% YoY
|
$538.5M
+10.1% YoY
|
$3.1B
+8.5% YoY
|
74% |
| Total Deposits ? |
$1.3B
+7.5% YoY
+0.6% QoQ
|
+$96.4M |
$1.2B
+1.7% YoY
|
$671.4M
+8.0% YoY
|
$4.7B
+6.3% YoY
|
70% |
| Return on Assets ? |
1.98%
+22.0% YoY
+0.9% QoQ
|
+0.82% |
1.16%
+17.2% YoY
|
1.46%
+11.8% YoY
|
1.12%
+15.6% YoY
|
Top 10% in tier |
| Net Interest Margin ? |
4.72%
+9.8% YoY
+0.6% QoQ
|
+1.05% |
3.66%
+9.1% YoY
|
4.40%
+3.8% YoY
|
3.75%
+7.1% YoY
|
Top 9% in tier |
| Efficiency Ratio ? |
46.68%
-10.4% YoY
+2.2% QoQ
|
-15.95% |
62.63%
-5.3% YoY
|
59.78%
-5.5% YoY
|
65.09%
-5.1% YoY
|
Top 10% in tier |
| Delinquency Rate ? |
0.75%
+45.2% YoY
+15.8% QoQ
|
+0.12% |
0.63%
+18.3% YoY
|
0.67%
+32.9% YoY
|
0.66%
+20.3% YoY
|
34% |
| Loan-to-Deposit Ratio ? |
94.90%
+3.4% YoY
+0.7% QoQ
|
+11.84% |
83.06%
+0.3% YoY
|
72.12%
+2.8% YoY
|
78.04%
+0.7% YoY
|
77% |
| Non-Interest-Bearing Deposit Share ? |
23.07%
-5.2% YoY
-3.9% QoQ
|
+2.03% |
21.05%
-0.9% YoY
|
27.08%
-1.1% YoY
|
21.79%
-1.3% YoY
|
63% |
| Nonperforming Asset Ratio ? |
0.63%
+50.8% YoY
+16.3% QoQ
|
+0.13% |
0.50%
+20.3% YoY
|
0.46%
+30.5% YoY
|
0.48%
+20.8% YoY
|
32% |
| Tier 1 Capital Ratio ? |
14.66%
+3.3% YoY
+0.8% QoQ
|
+4.42% |
10.24%
-0.6% YoY
|
12.12%
+2.1% YoY
|
9.75%
-1.9% YoY
|
74% |
| Non-Interest Income / Assets ? |
0.60%
-7.5% YoY
+38.7% QoQ
|
-0.14% |
0.74%
-1.3% YoY
|
0.53%
-2.9% YoY
|
0.65%
+0.6% YoY
|
60% |
Signature Analysis
Strengths (2)
Profitability Leader
growth
#87 of 371 · Top 23% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
1.98%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank declining
Net Interest Margin
metric
Top 9%
in Community
Why this stands out
Current:
4.72%
(Tier avg: 3.66%, National avg: 3.75%)
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
91
91th pctile
Net Interest Margin
Current: 4.72% · Tier avg: 3.66%
90
90th pctile
Return on Assets
Current: 1.98% · Tier avg: 1.16%
90
90th pctile
Efficiency Ratio
Current: 46.68% · Tier avg: 62.63%
77
77th pctile
Loan-to-Deposit Ratio
Current: 94.90% · Tier avg: 83.06%
74
74th pctile
Total Loans
Current: $1.2B · Tier avg: $975.5M
74
74th pctile
Tier 1 Capital Ratio
Current: 14.66% · Tier avg: 10.24%
70
70th pctile
Total Deposits
Current: $1.3B · Tier avg: $1.2B
68
68th pctile
Total Assets
Current: $1.5B · Tier avg: $1.4B
63
63th pctile
Non-Interest-Bearing Deposit Share
Current: 23.07% · Tier avg: 21.05%
60
60th pctile
Non-Interest Income / Assets
Current: 0.60% · Tier avg: 0.74%
34
34th pctile
Delinquency Rate
Current: 0.75% · Tier avg: 0.63%
32
32th pctile
Nonperforming Asset Ratio
Current: 0.63% · Tier avg: 0.50%
Top Weaknesses
32
32th pctile
Nonperforming Asset Ratio
Current: 0.63% · Tier avg: 0.50%
34
34th pctile
Delinquency Rate
Current: 0.75% · Tier avg: 0.63%
60
60th pctile
Non-Interest Income / Assets
Current: 0.60% · Tier avg: 0.74%
63
63th pctile
Non-Interest-Bearing Deposit Share
Current: 23.07% · Tier avg: 21.05%
68
68th pctile
Total Assets
Current: $1.5B · Tier avg: $1.4B
70
70th pctile
Total Deposits
Current: $1.3B · Tier avg: $1.2B
74
74th pctile
Tier 1 Capital Ratio
Current: 14.66% · Tier avg: 10.24%
74
74th pctile
Total Loans
Current: $1.2B · Tier avg: $975.5M
77
77th pctile
Loan-to-Deposit Ratio
Current: 94.90% · Tier avg: 83.06%
90
90th pctile
Efficiency Ratio
Current: 46.68% · Tier avg: 62.63%
90
90th pctile
Return on Assets
Current: 1.98% · Tier avg: 1.16%
91
91th pctile
Net Interest Margin
Current: 4.72% · Tier avg: 3.66%