Banksouth
Banksouth completed a merger involving an acquired institution in October 2025. Banksouth is the primary bank subsidiary of its parent holding company, headquartered in Greensboro, GA, during the postwar banking-system expansion. Banksouth's Q1 2026 balance sheet shows $1.6B in assets funded primarily by $1.4B in customer deposits. Returns are notably above industry norms: 1.50% ROA, 14.92% ROE, and 4.63% NIM. Capital cushions are healthy: 13.54% CET1, 9.93% Tier 1 leverage. Asset quality is solid — 0.55% nonperforming loans and a 3.85% Texas Ratio. It operates 10 branches, primarily in Georgia.
Headquarters Profile
- Address
- 6340 Lake Oconee Pkwy, GREENSBORO, GA 30642
- County
- Greene
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- Fed District
- 5
- Established
- April 10, 1946
- Branches
- 10 domestic
- Employees (FTE)
- 307
- FDIC Cert
- 16418
- Fed RSSD
- 88231
- Website
- www.banksouth.com →
- Parent Holding Company
- BANKSOUTH HOLDING COMPANY (RSSD 1134313)
Capital & Liquidity
Inside the full Banksouth terminal
8 tabs · 24-year trend charts · peer percentiles · Excel export
Unlock Banksouth — freeThis is just Banksouth's summary.
See the full 24-year trend, peer benchmarking, and risk analysis for this bank — plus every one of the 4,335 currently filing institutions, with CAMELS analytics and exportable tearsheets.
Free account · no credit card required
Banksouth rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
- Structure ChangeFailure, Government Assistance ProvidedFFIEC NIC
- MergerParticipated in FDIC Assisted MergerFDIC
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
Sourced from unified bank events (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 6 events.
Similar banks
Compare Banksouth with peers
Side-by-side comparison of capital, profitability, asset quality, and balance sheet — pick a peer to view the full head-to-head.
Frequently asked about Banksouth
What are Banksouth's total assets?
As of the Q1 2026 filing, Banksouth reported total assets of $1.62 billion in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Banksouth headquartered?
Banksouth is headquartered in GREENSBORO, GA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Banksouth founded?
Banksouth was established in 1946, per the FDIC institution directory.
Is Banksouth FDIC-insured?
Yes. Banksouth is an FDIC-insured commercial bank (FDIC Certificate #16418). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Banksouth?
Banksouth's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Banksouth's CET1 capital ratio?
Banksouth reported a Common Equity Tier 1 (CET1) capital ratio of 13.54% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Banksouth operate?
Banksouth operates 10 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Banksouth's Texas Ratio?
Banksouth's Texas Ratio is 3.85% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
Go deeper on Banksouth.
Unlock the full terminal — 24 years of quarterly trends, peer benchmarking, watch flags, and Excel tearsheets for this bank and every other US institution.
Start freeFree account · no credit card required