FNB SOUTH
Total assets
$734.8M
▲ +6.1% YoY
Deposits
$610.4M
▲ +5.7% YoY
Loans
$481.7M
▲ +12.0% YoY
Offices
4
FIRST BK SHARES OF THE S E INC
ROA (annualized)
2.64%
peers 1.28%
ROE (annualized)
16.86%
peers 12.44%
Peer comparison 748 banks with 500M-1B in assets
| Metric | FNB SOUTH | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.1% | +4.9% | +1.2 pts |
| Deposit growth (YoY) | +5.7% | +4.3% | +1.4 pts |
| Loan growth (YoY) | +12.0% | +5.3% | +6.7 pts |
| ROA | 2.64% | 1.28% | +1.4 pts |
| ROE | 16.9% | 12.4% | +4.4 pts |
ROA ranks in the 96th percentile of its peer group · Q2 2026
Profile
- Established
- 1950
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- FIRST BK SHARES OF THE S E INC
- Specialization
- Commercial Lending Specialization
- Address
- 423 W 12th St, Alma, GA, 31510
- County
- Bacon
- Offices
- 4
- FDIC cert #
- 17011
- RSSD ID
- 12030
- 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 | $734.8M | $610.4M | $481.7M | $116.5M | $9.5M | 2.64% | 5.38% | 0.07% |
| Q1 2026 | $716.5M | $596.1M | $464.1M | $113.1M | $4.7M | 2.64% | 5.27% | 0.08% |
| Q4 2025 | $713.6M | $596.5M | $453.5M | $108.9M | $15.7M | 2.24% | 5.27% | 0.08% |
| Q3 2025 | $707.8M | $588.3M | $444.6M | $112.0M | $13.9M | 2.66% | 5.27% | 0.13% |
| Q2 2025 | $692.4M | $577.5M | $429.9M | $108.3M | $8.9M | 2.55% | 5.12% | 0.10% |
| Q1 2025 | $703.3M | $593.4M | $418.5M | $103.6M | $4.2M | 2.40% | 4.92% | 0.10% |
| Q4 2024 | $689.1M | $582.9M | $414.8M | $99.2M | $15.4M | 2.46% | 5.22% | 0.11% |
| Q3 2024 | $637.7M | $527.4M | $428.0M | $103.5M | $12.4M | 2.71% | 5.21% | 0.18% |
Loan mix (Q2 2026): real estate $407.0M · commercial $52.8M · consumer $26.4M · securities $134.4M
Ratio pack Q2 2026 · peer medians from 748 institutions
Profitability
| Ratio | FNB SOUTH | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.64% | 1.28% | 96th | |
Return on equity Annualized net income ÷ equity or net worth | 16.9% | 12.4% | 75th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.38% | 3.89% | 98th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 46.1% | 61.2% | 12th | |
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 | FNB SOUTH | 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 | FNB SOUTH | 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 | FNB SOUTH | 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 | FNB SOUTH | 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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