| Metric | BankSouth | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +18.7% | +5.5% | +13.2 pts |
| Deposit growth (YoY) | +20.1% | +5.1% | +15.0 pts |
| Loan growth (YoY) | +16.0% | +5.9% | +10.1 pts |
| ROA | 1.57% | 1.26% | +0.3 pts |
| ROE | 15.6% | 12.2% | +3.5 pts |
ROA ranks in the 72nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.59B | $1.36B | $1.22B | $165.2M | $12.5M | 1.57% | 4.63% | 0.44% |
| Q1 2026 | $1.62B | $1.40B | $1.17B | $158.8M | $5.9M | 1.48% | 4.58% | 0.41% |
| Q4 2025 | $1.56B | $1.34B | $1.20B | $155.0M | $20.7M | 1.50% | 4.50% | 0.42% |
| Q3 2025 | $1.33B | $1.13B | $1.07B | $149.6M | $15.0M | 1.49% | 4.35% | 0.20% |
| Q2 2025 | $1.34B | $1.13B | $1.05B | $146.1M | $10.5M | 1.56% | 4.30% | 0.07% |
| Q1 2025 | $1.36B | $1.16B | $1.07B | $142.1M | $4.9M | 1.44% | 4.21% | 0.15% |
| Q4 2024 | $1.33B | $1.13B | $1.07B | $137.1M | $20.0M | 1.53% | 4.16% | 0.27% |
| Q3 2024 | $1.35B | $1.15B | $1.07B | $135.4M | $14.2M | 1.45% | 4.12% | 0.29% |
Loan mix (Q2 2026): real estate $1.16B · commercial $54.1M · consumer $18.3M · securities $123.4M
| Ratio | BankSouth | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.57% | 1.26% | 72th | |
Return on equity Annualized net income ÷ equity or net worth | 15.6% | 12.2% | 77th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.63% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.7% | 59.0% | 78th |
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% |
| 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% |
| 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% |
| 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% |
| Ratio | BankSouth | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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