FNB South: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks FNB South of Alma, GA against its peer group of 2757 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 2.66% | 1.25% | +1.41% | 96th top |
| ROAE | 16.71% | 13.17% | +3.54% | 74th above |
| Net Interest Margin | 5.10% | 3.95% | +1.15% | 94th top |
| Efficiency Ratio | 46.82% | 61.50% | -14.68% | 87th top |
| PPNR / Avg Assets | 2.91% | — | — | 95th top |
| Yield on Earning Assets | 6.68% | 5.67% | +1.01% | 91st top |
| Cost of Funds Ahead of the peer average, behind the median peer. | 1.83% | 1.87% | -0.04% | 48th below |
| Net Interest Spread | 3.90% | — | — | 79th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.93% | -0.93% | 93rd top |
| NPA / Total Assets | 0.07% | — | — | 75th top |
| NCO / Avg Loans | -0.83% | 0.15% | -0.98% | 100th top |
| ACL / Total Loans | 3.17% | — | — | 99th top |
| Texas Ratio | 0.39% | 6.06% | -5.67% | 79th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 22.90% | 17.18% | +5.72% | 84th top |
| Tier 1 Ratio | 22.90% | 17.21% | +5.69% | 84th top |
| Total Capital Ratio | 24.18% | — | — | 85th top |
| Leverage Ratio | 16.24% | 11.75% | +4.49% | 91st top |
| Equity / Assets | 15.85% | 10.98% | +4.87% | 91st top |
| TCE / Tangible Assets | 15.85% | — | — | 91st top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 81.50% | 80.44% | +1.06% | 49th below |
| Core Deposit Ratio | 90.17% | 86.95% | +3.22% | 56th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 6.12% | — | — | 62nd above |
| Loan Growth (Y/Y) | 12.07% | — | — | 79th top |
| Deposit Growth (Y/Y) | 5.69% | — | — | 61st above |
See FNB South's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock FNB South, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full FNB South profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the FNB South peer analysis.