Bank Comparison
Banksouth vs Primesouth Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 13
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Banksouth | Primesouth Bank |
|---|---|---|
| CET1 Ratio | 13.54% | 14.56% |
| Tier 1 Capital Ratio | 13.54% | 14.56% |
| Total Capital Ratio | 14.79% | 15.82% |
| Tier 1 Leverage Ratio | 9.93% | 11.95% |
| Equity / Assets | 9.82% | 10.88% |
Profitability
| Metric | Banksouth | Primesouth Bank |
|---|---|---|
| Return on Assets (ROA) | 1.50% | 1.92% |
| Return on Equity (ROE) | 14.92% | 17.12% |
| Net Interest Margin (NIM) | 4.63% | 4.68% |
| Yield on Earning Assets | 6.24% | 6.24% |
| Cost of Funds | 1.70% | 1.68% |
Asset quality
| Metric | Banksouth | Primesouth Bank |
|---|---|---|
| Texas Ratio | 3.85% | 8.28% |
| Non-Performing Loan Ratio | 0.55% | 1.19% |
| Non-Performing Asset Ratio | 0.41% | 0.99% |
| Net Charge-Off Ratio | -0.02% | 0.06% |
| ACL / Loans | 1.47% | 1.44% |
Balance sheet
| Metric | Banksouth | Primesouth Bank |
|---|---|---|
| Total Assets | $1,617M | $1,538M |
| Total Deposits | $1,399M | $1,306M |
| Total Loans | $1,185M | $1,261M |
| Total Equity | $158,818K | $167,382K |
| Net Income (quarter) | $5,854K | $7,029K |
Liquidity & funding
| Metric | Banksouth | Primesouth Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 84.74% | 96.59% |
| Core Deposit Ratio | 90.60% | 94.26% |
| Uninsured Deposit Ratio | 36.00% | 41.61% |
Identity
| Metric | Banksouth | Primesouth Bank |
|---|---|---|
| Headquarters City | GREENSBORO | BLACKSHEAR |
| Headquarters State | GA | GA |
| Asset Tier | Large | Large |
| Charter Class | 713480 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 10 | 8 |
| Employees (FTE) | 307 | 170 |
| Established | April 10, 1946, midnight | Jan. 1, 1891, 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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