Banksouth: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Banksouth of Dothan, AL against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.50% | 1.35% | +0.15% | 63rd above |
| ROAE | 7.94% | 12.06% | -4.12% | 25th below |
| Net Interest Margin | 3.90% | 3.90% | +0.00% | 48th below |
| Efficiency Ratio | 57.91% | 63.15% | -5.24% | 60th above |
| PPNR / Avg Assets | 1.65% | 1.64% | +0.01% | 54th above |
| Yield on Earning Assets | 5.46% | 5.65% | -0.19% | 43rd below |
| Cost of Funds | 1.94% | 1.85% | +0.09% | 40th below |
| Net Interest Spread | 3.21% | 3.35% | -0.14% | 44th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.02% | 0.92% | -0.90% | 82nd top |
| NPA / Total Assets | 0.02% | 0.67% | -0.65% | 83rd top |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 62nd above |
| ACL / Total Loans | 1.55% | 1.28% | +0.27% | 81st top |
| ACL / NPLs (Coverage) | 7608.11% | 1642.60% | +5965.51% | — |
| Texas Ratio | 0.08% | 7.15% | -7.07% | 88th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 19.06% | 12.46% | +6.60% | 95th top |
| Equity / Assets | 18.70% | 11.67% | +7.03% | 95th top |
| TCE / Tangible Assets | 18.70% | 11.40% | +7.30% | 96th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 101.67% | 78.64% | +23.03% | 9th bottom |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 89.02% | 87.09% | +1.93% | 49th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.25% | 6.47% | -1.22% | 57th above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.51% | 7.64% | -1.13% | 57th above |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.69% | 6.02% | -0.33% | 62nd above |
See Banksouth's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Banksouth, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Banksouth profile, how to read a UBPR, or how this data updates.