Banksouth: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 10.76 percentage points lower than in Q1 2026, at 254.76%. Banksouth ranks 53rd of 121 Georgia banks on return on assets, in the upper half at 1.67% (Q2 2026). Banksouth reported 1.67% on return on assets for Q2 2026, 0.39 points above the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.07% |
| Tier 1 risk-based capital ratio | 14.07% |
| Total risk-based capital ratio | 15.32% |
| Tier 1 leverage ratio | 10.17% |
| Equity capital to assets | 10.39% |
| Tangible equity to tangible assets | 10.12% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.55% |
| Non-performing assets ratio | 0.44% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 3.90% |
| Allowance for credit losses to loans | 1.41% |
| Reserve coverage of non-performing loans | 254.76% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.67% |
| Return on equity | 16.37% |
| Net interest margin | 4.65% |
| Efficiency ratio | 68.85% |
| Yield on earning assets | 6.18% |
| Cost of funds | 1.66% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 91.01% |
| Core deposits to total deposits | 88.42% |
| Brokered deposits to total deposits | 2.26% |
| Deposits to assets | 85.73% |
| Securities to assets | 7.76% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 12.25% | 12.25% | 13.50% | 9.89% | 1.17% |
| Q4 2023 | 12.31% | 12.31% | 13.56% | 10.11% | 1.11% |
| Q1 2024 | 12.33% | 12.33% | 13.59% | 10.31% | 1.15% |
| Q2 2024 | 12.69% | 12.69% | 13.95% | 10.30% | 1.74% |
| Q3 2024 | 12.96% | 12.96% | 14.22% | 10.10% | 1.49% |
| Q4 2024 | 13.20% | 13.20% | 14.45% | 10.20% | 1.72% |
| Q1 2025 | 13.53% | 13.53% | 14.78% | 10.66% | 1.45% |
| Q2 2025 | 14.71% | 14.71% | 15.97% | 10.89% | 1.67% |
| Q3 2025 | 14.83% | 14.83% | 16.08% | 11.21% | 1.35% |
| Q4 2025 | 13.01% | 13.01% | 14.26% | 9.39% | 1.45% |
| Q1 2026 | 13.54% | 13.54% | 14.79% | 9.93% | 1.50% |
| Q2 2026 | 14.07% | 14.07% | 15.32% | 10.17% | 1.67% |
Banksouth vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Banksouth, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Banksouth profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16418) · FFIEC NIC profile (RSSD 88231)