Primesouth Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Primesouth Bank of Blackshear, GA against its peer group of 931 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 | 2.02% | 1.46% | +0.56% | 87th top |
| ROAE | 17.98% | 12.71% | +5.27% | 84th top |
| Net Interest Margin | 4.74% | 3.85% | +0.89% | 92nd top |
| Efficiency Ratio | 44.48% | 57.41% | -12.93% | 88th top |
| PPNR / Avg Assets | 2.90% | 1.88% | +1.02% | 94th top |
| Yield on Earning Assets | 6.34% | 5.72% | +0.62% | 86th top |
| Cost of Funds | 1.78% | 2.02% | -0.24% | 63rd above |
| Net Interest Spread | 4.12% | 3.18% | +0.94% | 93rd top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.54% | 1.00% | +0.54% | 17th bottom |
| NPA / Total Assets | 1.29% | 0.76% | +0.53% | 16th bottom |
| NCO / Avg Loans | 0.02% | 0.43% | -0.41% | 57th above |
| ACL / Total Loans | 1.45% | 1.31% | +0.14% | 83rd top |
| ACL / NPLs (Coverage) | 93.61% | 543.64% | -450.03% | 27th below |
| Texas Ratio | 10.69% | 7.39% | +3.30% | 22nd bottom |
| Provision / NCO | 761.71% | 618.50% | +143.21% | 82nd top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 14.63% | 17.34% | -2.71% | 66th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 14.63% | 17.37% | -2.74% | 66th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 15.89% | 18.42% | -2.53% | 68th above |
| Leverage Ratio | 12.03% | 11.44% | +0.59% | 77th top |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.91% | 11.34% | -0.43% | 58th above |
| TCE / Tangible Assets | 10.85% | 10.50% | +0.35% | 69th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 99.40% | 86.95% | +12.45% | 19th bottom |
| Core Deposit Ratio | 93.22% | 85.55% | +7.67% | 75th top |
| Uninsured Deposit Ratio | 41.44% | 33.12% | +8.32% | 23rd bottom |
| Wholesale Funding Ratio | 5.93% | 5.70% | +0.23% | 35th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 13.67% | 9.68% | +3.99% | 84th top |
| Loan Growth (Y/Y) | 16.22% | 8.05% | +8.17% | 88th top |
| Deposit Growth (Y/Y) | 8.13% | 7.87% | +0.26% | 68th above |
See Primesouth Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Primesouth Bank, 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 Primesouth Bank profile, how to read a UBPR, or how this data updates.