BankSouth
Total assets
$221.5M
▲ +5.2% YoY
Deposits
$178.4M
▲ +5.7% YoY
Loans
$178.6M
▲ +6.6% YoY
Offices
2
BANCSOUTH CORP
ROA (annualized)
1.39%
peers 1.24%
ROE (annualized)
7.30%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | BankSouth | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.3% | +4.4% | +0.9 pts |
| Deposit growth (YoY) | +5.7% | +4.0% | +1.7 pts |
| Loan growth (YoY) | +6.6% | +5.6% | +1.0 pts |
| ROA | 1.39% | 1.24% | +0.2 pts |
| ROE | 7.3% | 11.9% | -4.6 pts |
ROA ranks in the 59th percentile of its peer group · Q2 2026
Profile
- Established
- 1928
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- BANCSOUTH CORP
- Specialization
- Commercial Lending Specialization
- Address
- 3251 Ross Clark Cir, Dothan, AL, 36303
- County
- Houston
- Metro area
- Dothan, AL
- Offices
- 2
- FDIC cert #
- 77
- RSSD ID
- 194936
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $221.5M | $178.4M | $178.6M | $41.4M | $1.5M | 1.39% | 3.88% | 0.02% |
| Q1 2026 | $217.9M | $175.5M | $170.5M | $41.4M | $682K | 1.27% | 3.79% | 0.02% |
| Q4 2025 | $210.6M | $168.6M | $169.8M | $40.9M | $3.0M | 1.44% | 3.77% | 0.02% |
| Q3 2025 | $209.8M | $167.1M | $168.5M | $41.4M | $2.3M | 1.43% | 3.72% | 0.02% |
| Q2 2025 | $210.4M | $168.8M | $167.5M | $40.5M | $1.4M | 1.31% | 3.60% | 0.02% |
| Q1 2025 | $211.5M | $170.1M | $161.5M | $40.4M | $633K | 1.20% | 3.50% | 0.02% |
| Q4 2024 | $209.6M | $169.0M | $161.3M | $39.6M | $2.6M | 1.28% | 3.50% | 0.02% |
| Q3 2024 | $203.9M | $162.2M | $161.7M | $40.3M | $1.9M | 1.21% | 3.45% | 0.02% |
Loan mix (Q2 2026): real estate $161.3M · commercial $17.6M · consumer $1.3M · securities $34.1M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | BankSouth | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.39% | 1.24% | 59th | |
Return on equity Annualized net income ÷ equity or net worth | 7.3% | 11.9% | 23th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.88% | 3.96% | 45th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.5% | 62.9% | 43th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | BankSouth | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | BankSouth | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | BankSouth | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | BankSouth | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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