Bank Comparison
Banksouth vs Morris Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
15 · 9
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Banksouth | Morris Bank |
|---|---|---|
| CET1 Ratio | 13.54% | 14.76% |
| Tier 1 Capital Ratio | 13.54% | 14.76% |
| Total Capital Ratio | 14.79% | 16.01% |
| Tier 1 Leverage Ratio | 9.93% | 11.91% |
| Equity / Assets | 9.82% | 12.48% |
Profitability
| Metric | Banksouth | Morris Bank |
|---|---|---|
| Return on Assets (ROA) | 1.50% | -0.45% |
| Return on Equity (ROE) | 14.92% | -3.51% |
| Net Interest Margin (NIM) | 4.63% | 4.55% |
| Yield on Earning Assets | 6.24% | 6.11% |
| Cost of Funds | 1.70% | 1.74% |
Asset quality
| Metric | Banksouth | Morris Bank |
|---|---|---|
| Texas Ratio | 3.85% | 3.75% |
| Non-Performing Loan Ratio | 0.55% | 0.63% |
| Non-Performing Asset Ratio | 0.41% | 0.48% |
| Net Charge-Off Ratio | -0.02% | -0.12% |
| ACL / Loans | 1.47% | 1.34% |
Balance sheet
| Metric | Banksouth | Morris Bank |
|---|---|---|
| Total Assets | $1,617M | $1,598M |
| Total Deposits | $1,399M | $1,384M |
| Total Loans | $1,185M | $1,172M |
| Total Equity | $158,818K | $199,486K |
| Net Income (quarter) | $5,854K | $-1,772 |
Liquidity & funding
| Metric | Banksouth | Morris Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 84.74% | 84.68% |
| Core Deposit Ratio | 90.60% | 91.35% |
| Uninsured Deposit Ratio | 36.00% | 46.62% |
Identity
| Metric | Banksouth | Morris Bank |
|---|---|---|
| Headquarters City | GREENSBORO | Dublin |
| Headquarters State | GA | GA |
| Asset Tier | Large | Large |
| Charter Class | 713480 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 10 | 9 |
| Employees (FTE) | 307 | 180 |
| Established | April 10, 1946, midnight | Nov. 29, 1954, 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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