FNB South: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Net charge-off ratio climbed 1.26 percentage points in Q2 2026, from -2.09% to -0.83%. It was the largest change from Q1 2026 among the key lines here. Among 121 Georgia banks, FNB South sits 8th from the top on return on assets, 2.66% as of Q2 2026. FNB South's return on assets of 2.66% is well above the 1.26% median for banks in the $100M-1B asset tier, a gap of 1.41 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 22.90% |
| Tier 1 risk-based capital ratio | 22.90% |
| Total risk-based capital ratio | 24.18% |
| Tier 1 leverage ratio | 16.24% |
| Equity capital to assets | 15.85% |
| Tangible equity to tangible assets | 15.85% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.07% |
| Net charge-off ratio | -0.83% |
| Texas ratio | 0.39% |
| Allowance for credit losses to loans | 3.17% |
| Reserve coverage of non-performing loans | 143436.36% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.66% |
| Return on equity | 16.71% |
| Net interest margin | 5.10% |
| Efficiency ratio | 46.82% |
| Yield on earning assets | 6.68% |
| Cost of funds | 1.83% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 81.50% |
| Core deposits to total deposits | 90.17% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 83.06% |
| Securities to assets | 18.29% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 25.73% | 25.73% | 27.00% | 17.26% | 3.28% |
| Q4 2023 | 23.94% | 23.94% | 25.20% | 15.76% | 1.01% |
| Q1 2024 | 23.36% | 23.36% | 24.63% | 16.20% | 3.47% |
| Q2 2024 | 23.67% | 23.67% | 24.94% | 16.95% | 2.73% |
| Q3 2024 | 22.98% | 22.98% | 24.25% | 16.92% | 2.07% |
| Q4 2024 | 21.95% | 21.95% | 23.22% | 14.90% | 1.78% |
| Q1 2025 | 22.30% | 22.30% | 23.58% | 15.13% | 2.44% |
| Q2 2025 | 22.69% | 22.69% | 23.97% | 15.62% | 2.70% |
| Q3 2025 | 22.94% | 22.94% | 24.21% | 15.79% | 2.86% |
| Q4 2025 | 22.38% | 22.38% | 23.65% | 15.26% | 1.01% |
| Q1 2026 | 22.85% | 22.85% | 24.12% | 15.96% | 2.66% |
| Q2 2026 | 22.90% | 22.90% | 24.18% | 16.24% | 2.66% |
FNB South vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock FNB South, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full FNB South profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17011) · FFIEC NIC profile (RSSD 12030)