FNB SOUTH

ALMA, GA | Medium | Est. Feb. 15, 1950, midnight | FDIC #17011 | RSSD #12030 | FDIC
Latest Report: 2025-12-31

FNB SOUTH is amn medium FDIC-insured commercial bank headquartered in ALMA, GA, established in Feb. 15, 1950, midnight. As of 2025-12-31, the bank reported total assets of $714M and total deposits of $597M. Profitability stands at 1.01% ROA and 6.51% ROE, with a net interest margin of 5.15%. The bank's CET1 capital ratio is 22.38%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.46%. FDIC Certificate #17011.

Assets

$714M

Deposits

$597M

Loans

$466M

Equity

$109M

Profitability

Return on Assets (ROA) 1.01%
Return on Equity (ROE) 6.51%
Net Interest Margin (NIM) 5.15%
Yield on Assets 6.99%
Cost of Funds 2.03%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.73%
Texas Ratio 0.46%
NPA Ratio 0.08%
ACL / Loans 2.64%

Capital & Liquidity

CET1 Ratio 22.38%
Tier 1 Capital 22.38%
Total Capital Ratio 23.65%
Leverage Ratio 15.26%
Loan-to-Deposit 78.08%

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