BANKSOUTH

GREENSBORO, GA | Large | Est. April 10, 1946, midnight | FDIC #16418 | RSSD #88231 | OCC
Latest Report: 2025-12-31

BANKSOUTH is aln large FDIC-insured commercial bank headquartered in GREENSBORO, GA, established in April 10, 1946, midnight. As of 2025-12-31, the bank reported total assets of $1.6B and total deposits of $1.3B. Profitability stands at 1.69% ROA and 15.97% ROE, with a net interest margin of 5.39%. The bank's CET1 capital ratio is 13.02%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.52% and a Texas Ratio of 3.77%. FDIC Certificate #16418.

Assets

$1.6B

Deposits

$1.3B

Loans

$1.2B

Equity

$155M

Profitability

Return on Assets (ROA) 1.69%
Return on Equity (ROE) 15.97%
Net Interest Margin (NIM) 5.39%
Yield on Assets 7.28%
Cost of Funds 3.19%

Asset Quality

NPL Ratio 0.52%
Net Charge-Off Ratio 0.00%
Texas Ratio 3.77%
NPA Ratio 0.42%
ACL / Loans 1.40%

Capital & Liquidity

CET1 Ratio 13.02%
Tier 1 Capital 13.02%
Total Capital Ratio 14.28%
Leverage Ratio 9.40%
Loan-to-Deposit 91.05%

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