Bank Comparison
Banksouth vs Foundation Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
8 · 12
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Banksouth | Foundation Bank |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 19.41% | 14.38% |
| Equity / Assets | 19.00% | 13.90% |
Profitability
| Metric | Banksouth | Foundation Bank |
|---|---|---|
| Return on Assets (ROA) | 1.27% | 1.82% |
| Return on Equity (ROE) | 6.63% | 12.98% |
| Net Interest Margin (NIM) | 3.73% | 5.91% |
| Yield on Earning Assets | 5.31% | 7.06% |
| Cost of Funds | 1.97% | 1.36% |
Asset quality
| Metric | Banksouth | Foundation Bank |
|---|---|---|
| Texas Ratio | 0.08% | 8.49% |
| Non-Performing Loan Ratio | 0.02% | 1.64% |
| Non-Performing Asset Ratio | 0.02% | 0.95% |
| Net Charge-Off Ratio | 0.00% | 0.52% |
| ACL / Loans | 1.62% | 2.38% |
Balance sheet
| Metric | Banksouth | Foundation Bank |
|---|---|---|
| Total Assets | $217,918K | $218,079K |
| Total Deposits | $175,462K | $184,620K |
| Total Loans | $173,340K | $114,388K |
| Total Equity | $41,404K | $30,322K |
| Net Income (quarter) | $682 | $968 |
Liquidity & funding
| Metric | Banksouth | Foundation Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 98.79% | 61.96% |
| Core Deposit Ratio | 89.57% | 93.56% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Banksouth | Foundation Bank |
|---|---|---|
| Headquarters City | DOTHAN | MCKENZIE |
| Headquarters State | AL | TN |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 2 | 9 |
| Employees (FTE) | 24 | 81 |
| Established | Jan. 1, 1928, midnight | Feb. 28, 1934, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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