FNB South
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Data as of · sourced from FFIEC call reports. How we update
FNB South is an FDIC-insured commercial bank headquartered in Alma, GA, established in 1950 (FDIC certificate 17011), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $734.8M, up 6.1% from Q2 2025, the 22nd largest of 121 banks headquartered in Georgia. Its CET1 capital ratio was 22.90% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 17011
- Headquarters
- Alma, GA
- Established
- 1950
- Total assets, Q2 2026
- $734.8M
- Assets vs Q2 2025
- +6.1%
- CET1 ratio, Q2 2026
- 22.90%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 061212866
- Latest call report
- Q2 2026, FFIEC 051 · FNB South call report
- Holding company
- FIRST BANK SHARES OF THE SOUTH EAST, INC.
- Asset rank in state
- 22nd of 121 in Georgia
FNB South is one of the more profitable banks of its size. The Alma, Georgia bank had $735 million in assets at June 30, 2026, up 6.1% from a year earlier. It earns about $2.66 a year on every $100 of assets, about double the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also keeps 5.10 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 banks its size (median 3.95 cents). Much of that comes from cost control: it spends about 47 cents to bring in each dollar of revenue.
Loans are outrunning deposits: over the year loans rose 12.1% and deposits rose 5.7%. Delinquency has appeared in its $69 million non-owner-occupied commercial real estate book: 1.28% of those loans are past due or on nonaccrual, against almost none a year earlier.
As of June 30, 2026, FNB South reported a CET1 capital ratio of 22.90%, a return on assets of 2.66%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.39%. The figures come from its call report filed with the FFIEC.
FNB South ranks as the 22nd largest of the 121 banks based in Georgia, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 2.6% to $734.8M, loans rose 3.9% and deposits rose 2.4%. Its loan book on June 30, 2026 was led by owner-occupied commercial real estate loans, at 28.4% of total loans, followed by 1-4 family residential loans at 18.5%. The FDIC Summary of Deposits lists 4 offices for it, in 4 cities in GA; its Alma office books 46% of its branch deposits. Judged on its Q2 2026 call report, FNB South meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 423 W 12th St, Alma, GA 31510
- County
- Bacon
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- February 15, 1950
- Former names
- First National Bank South (2001-2017); The First National Bank of Alma (1974-2001)
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 70
- Domestic deposits
- $610.4M
- Allowance for credit losses
- $15.8M
- Net charge-offs (YTD)
- -$3.5M
- Average total assets
- $720.3M
- Average total loans
- $487.5M
- Average interest-bearing deposits
- $401.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- May 1, 1951
- FDIC Cert
- 17011
- Fed RSSD
- 12030
- Website
- www.fnbsouth.net →
- Parent Holding Company
- FIRST BANK SHARES OF THE SOUTH EAST, INC. (RSSD 1134041)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, FNB South's total assets ranged from $582.8M (Q3 2023) to $734.8M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$734.8M total assets against $692.4M; $618.3M total liabilities against $584.1M.
$481.7M net loans and leases against $429.9M; $610.4M total deposits against $577.5M.
$134.4M securities against $75.0M; $62.0M cash and balances due against $125.6M.
$11.7M total interest income against $11.2M; $2.8M total interest expense against $3.1M.
$8.9M net interest income against $8.1M.
$928K total noninterest income against $1.1M; $4.6M total noninterest expense against $4.2M.
$0 provision for credit losses against $0.
$4.8M net income against $4.7M.
2.66% return on assets against 2.70%; 5.10% net interest margin against 4.87%.
22.90% CET1 capital ratio against 22.69%; 16.24% tier 1 leverage ratio against 15.62%.
Inside the full FNB South terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFNB South rankings
Its closest position to the top of a national ranking is 118 of 3,611, for ROA; its furthest is 3,035 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.01% (Q4 2025) to 2.86% (Q3 2025) and its net interest margin ran from 4.56% (Q1 2025) to 5.10% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 22.90% | 2.66% | 0.00% | 0.39% | 5.10% |
| Q1 2026 | 22.85% | 2.66% | 0.00% | 0.44% | 4.93% |
| Q4 2025 | 22.38% | 1.01% | 0.00% | 0.46% | 4.87% |
| Q3 2025 | 22.94% | 2.86% | 0.06% | 0.75% | 5.07% |
| Q2 2025 | 22.69% | 2.70% | 0.00% | 0.56% | 4.87% |
| Q1 2025 | 22.30% | 2.44% | 0.00% | 0.58% | 4.56% |
| Q4 2024 | 21.95% | 1.78% | 0.01% | 0.68% | 4.79% |
| Q3 2024 | 22.98% | 2.07% | 0.10% | 0.96% | 4.80% |
Swipe the table sideways to see every column.
Branch Network
View all 4 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| FNB South (main office) | Alma , GA | 31510 | $283.3M |
| Fnb South Branch | Douglas , GA | 31533 | $126.1M |
| Folkston Branch | Folkston , GA | 31537 | $106.5M |
| Baxley Branch | Baxley , GA | 31513 | $94.5M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- October 4, 2010, OCC: Formal Agreement: First National Bank South
- Period: Most recent institution action October 4, 2010. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in GA, rank 40 of 177 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $1.0M approved, $1.0M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2022 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about FNB South
What are FNB South's total assets?
As of the Q2 2026 filing, FNB South reported total assets of $734.8 million in its FFIEC call report.
Where is FNB South headquartered?
It is headquartered in Alma, GA, United States.
When was FNB South founded?
It was established in 1950, per the FDIC institution directory.
Is FNB South FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #17011). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates FNB South?
FNB South's primary federal regulator is the FDIC.
What is FNB South's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 22.90% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does FNB South operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is FNB South's Texas Ratio?
Its Texas Ratio is 0.39% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was FNB South previously called?
The charter now named FNB South has also operated as First National Bank South (2001-2017), The First National Bank of Alma (1974-2001), per FDIC structure-change records.
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