Banksouth: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Banksouth of Greensboro, GA against its peer group of 931 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 | 1.67% | 1.46% | +0.21% | 75th top |
| ROAE | 16.37% | 12.71% | +3.66% | 78th top |
| Net Interest Margin | 4.65% | 3.85% | +0.80% | 91st top |
| Efficiency Ratio | 68.85% | 57.40% | +11.45% | 23rd bottom |
| PPNR / Avg Assets | 2.13% | 1.88% | +0.25% | 74th above |
| Yield on Earning Assets | 6.18% | 5.72% | +0.46% | 82nd top |
| Cost of Funds | 1.66% | 2.02% | -0.36% | 72nd above |
| Net Interest Spread | 3.95% | 3.18% | +0.77% | 90th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.55% | 1.00% | -0.45% | 54th above |
| NPA / Total Assets | 0.44% | 0.76% | -0.32% | 54th above |
| NCO / Avg Loans | -0.01% | 0.43% | -0.44% | 92nd top |
| ACL / Total Loans | 1.41% | 1.31% | +0.10% | 81st top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 254.76% | 543.53% | -288.77% | 64th above |
| Texas Ratio | 3.90% | 7.39% | -3.49% | 57th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 14.07% | 17.34% | -3.27% | 60th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 14.07% | 17.37% | -3.30% | 59th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 15.32% | 18.42% | -3.10% | 62nd above |
| Leverage Ratio | 10.17% | 11.44% | -1.27% | 41st below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.39% | 11.34% | -0.95% | 50th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.12% | 10.50% | -0.38% | 58th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 91.01% | 86.95% | +4.06% | 41st below |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.42% | 85.55% | +2.87% | 49th below |
| Uninsured Deposit Ratio | 40.63% | 33.12% | +7.51% | 25th below |
| Wholesale Funding Ratio | 2.52% | 5.71% | -3.19% | 64th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 18.70% | 9.68% | +9.02% | 90th top |
| Loan Growth (Y/Y) | 16.24% | 8.05% | +8.19% | 88th top |
| Deposit Growth (Y/Y) | 20.09% | 7.86% | +12.23% | 91st top |
See Banksouth's peers by name
The 931 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.