Bank Safety Analysis
Is Banksouth Safe? Greensboro, Georgia
Based on its Q2 2026 call report, Banksouth meets every capital ratio test for well capitalized, its Texas ratio is 3.90%, and its deposits are FDIC insured up to $250,000 per depositor.
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Short answer
On its Q2 2026 call report, Banksouth's CET1 ratio is 14.07%, above the 6.5% well-capitalized threshold.
- CET1 ratio (Q2 2026): 14.07%
- Tier 1 leverage ratio (Q2 2026): 10.17%
- Texas ratio (Q2 2026): 3.90%
- Noncurrent loans ratio (Q2 2026): 0.55%
Banksouth is an FDIC-insured savings institution (FDIC Certificate #16418). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Context: largest US bank failures · what these ratios mean · how we score.
Banksouth passes all 5 scorecard dimensions, but not every risk screen below is clear. 1 risk screen is flagged: commercial real estate to capital. Analysis based on the Q2 2026 call report.
Compared with Q1 2026, return on assets rose 0.17 percentage points in Q2 2026 to 1.67%, the biggest move on this page. Banksouth ranks 58th of 78 Georgia banks on CET1 ratio, in the lower half at 14.07% (Q2 2026). Banksouth reported 14.07% on CET1 ratio for Q2 2026, 0.57 points above the 13.49% median for banks in the $1B-10B asset tier. From Q3 2023 to Q2 2026, Banksouth's CET1 ratio ranged between 12.25% (Q3 2023) and 14.83% (Q3 2025) and its Texas ratio ranged between 0.62% (Q2 2025) and 3.90% (Q2 2026). Between Q2 2025 and Q2 2026, Banksouth's CET1 ratio fell from 14.71% to 14.07%, nonperforming loan ratio (nonaccrual plus 90+ days past due) rose from 0.09% to 0.55%, Texas ratio rose from 0.62% to 3.90% and return on assets held at 1.67%.
Data as of · sourced from FFIEC call reports. How we update
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating. Held-out test AUC 0.910 for the 1-year horizon (v20261026_025757). Trained on credit-driven community-bank failures, it carries little signal for interest-rate or deposit-flight risk. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety. See the methodology. This is not investment advice or a credit rating.
Scorecard by dimension
Peer cohort: $1B to $10B (941 banks) · Industry averages as of Q2 2026.
CET1 of 14.07% sits comfortably above the 6.5% well-capitalized threshold under Prompt Corrective Action and the 7.0% level required once the capital conservation buffer is included.
Tier 1 leverage of 10.17% is above the 5% well-capitalized threshold.
Nonperforming loans at 0.55% are within industry-normal range.
Texas Ratio of 3.9% is well below the 100% historical failure threshold.
Efficiency ratio of 68.9% is inside the 75% pass line, though above the 65% level typical of lower-cost banks.
Risk screens
Latest filing (Q2 2026), passing screens included.
| Screen | Value | Trigger | Result |
|---|---|---|---|
| CET1 capital ratio supervisory threshold | 14.07% | Flags below 7% | Within range |
| Texas ratio BankRegReports band | 3.90% | Watch at 50%, concern at 100% | Within range |
| Non-performing loan ratio BankRegReports band | 0.55% | Flags at 3% or above | Within range |
| Uninsured deposit share BankRegReports band | 40.63% | Watch at 50%, concern at 70% | Within range |
| Loan-to-deposit ratio BankRegReports band | 91.01% | Flags at 100% or above | Within range |
| Commercial real estate to capital supervisory threshold | 243.00% | Watch at 200%, concern at 300% | Flagged |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.06% | Watch at 10%, concern at 25% | Within range |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q2 2026 | 14.07% |
| Q1 2026 | 13.54% |
| Q4 2025 | 13.01% |
| Q3 2025 | 14.83% |
| Q2 2025 | 14.71% |
| Q1 2025 | 13.53% |
| Q4 2024 | 13.20% |
| Q3 2024 | 12.96% |
| Q2 2024 | 12.69% |
| Q1 2024 | 12.33% |
| Q4 2023 | 12.31% |
| Q3 2023 | 12.25% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q2 2026 | 3.90% |
| Q1 2026 | 3.85% |
| Q4 2025 | 3.89% |
| Q3 2025 | 1.66% |
| Q2 2025 | 0.62% |
| Q1 2025 | 1.31% |
| Q4 2024 | 2.35% |
| Q3 2024 | 2.61% |
| Q2 2024 | 2.32% |
| Q1 2024 | 1.85% |
| Q4 2023 | 1.53% |
| Q3 2023 | 1.66% |
Banksouth by quarter
| Quarter end | CET1 | NPL ratio | Texas ratio | ROA |
|---|---|---|---|---|
| Jun 30, 2026 | 14.07% | 0.55% | 3.90% | 1.67% |
| Mar 31, 2026 | 13.54% | 0.55% | 3.85% | 1.50% |
| Dec 31, 2025 | 13.01% | 0.52% | 3.89% | 1.45% |
| Sep 30, 2025 | 14.83% | 0.25% | 1.66% | 1.35% |
| Jun 30, 2025 | 14.71% | 0.09% | 0.62% | 1.67% |
| Mar 31, 2025 | 13.53% | 0.19% | 1.31% | 1.45% |
| Dec 31, 2024 | 13.20% | 0.33% | 2.35% | 1.72% |
| Sep 30, 2024 | 12.97% | 0.36% | 2.61% | 1.49% |
| Jun 30, 2024 | 12.69% | 0.31% | 2.32% | 1.74% |
| Mar 31, 2024 | 12.33% | 0.25% | 1.85% | 1.15% |
| Dec 31, 2023 | 12.31% | 0.20% | 1.53% | 1.11% |
| Sep 30, 2023 | 12.25% | 0.22% | 1.66% | 1.17% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is Banksouth FDIC insured?
Yes. Banksouth is an FDIC-insured savings institution (FDIC Certificate #16418). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is Banksouth well capitalized?
On its Q2 2026 call report, Banksouth's CET1 ratio is 14.07%, above the 6.5% well-capitalized threshold. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the OCC, applies.
What are Banksouth's key safety ratios?
For Q2 2026, Banksouth reports CET1 14.07%, leverage 10.17%, Texas ratio 3.90%, noncurrent loans 0.55%. The Texas ratio compares problem assets with tangible equity plus reserves; above 100% has historically signaled elevated failure risk.
What happens to my deposits if Banksouth fails?
Insured deposits are protected up to $250,000 per depositor, per insured bank, per ownership category. If an insured bank fails, the FDIC pays insured depositors as soon as possible, usually the next business day.
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Free to use. It shows Banksouth’s latest filed figures and updates each quarter.
Methodology & disclaimer
Based on the latest FFIEC call report. Model output is an estimate, not a credit rating, and this page is not investment advice. FDIC insurance covers deposits up to $250,000 per depositor per ownership category at any FDIC-insured bank, whatever its safety profile. See the methodology and full profile.
Regulator records: FDIC BankFind (cert 16418) · FFIEC NIC profile (RSSD 88231)
Explore: Full Banksouth profile · Other banks in GA · Metric glossary · How the call report works