BANKSOUTH

DOTHAN, AL | Small | Est. Jan. 1, 1928, midnight | FDIC #77 | RSSD #194936 | FDIC
Latest Report: 2025-12-31

BANKSOUTH is asn small FDIC-insured commercial bank headquartered in DOTHAN, AL, established in Jan. 1, 1928, midnight. As of 2025-12-31, the bank reported total assets of $211M and total deposits of $169M. Profitability stands at 1.50% ROA and 7.65% ROE, with a net interest margin of 4.21%. The bank's CET1 capital ratio is 19.40%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.02% and a Texas Ratio of 0.08%. FDIC Certificate #77.

Assets

$211M

Deposits

$169M

Loans

$173M

Equity

$41M

Profitability

Return on Assets (ROA) 1.50%
Return on Equity (ROE) 7.65%
Net Interest Margin (NIM) 4.21%
Yield on Assets 5.91%
Cost of Funds 1.96%

Asset Quality

NPL Ratio 0.02%
Net Charge-Off Ratio --
Texas Ratio 0.08%
NPA Ratio 0.02%
ACL / Loans 1.63%

Capital & Liquidity

CET1 Ratio 19.40%
Tier 1 Capital 19.40%
Total Capital Ratio 20.37%
Leverage Ratio 19.48%
Loan-to-Deposit 102.38%

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