| Metric | PrimeSouth Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +13.7% | +5.5% | +8.2 pts |
| Deposit growth (YoY) | +8.1% | +5.1% | +3.1 pts |
| Loan growth (YoY) | +16.2% | +5.9% | +10.3 pts |
| ROA | 1.92% | 1.26% | +0.7 pts |
| ROE | 17.6% | 12.2% | +5.4 pts |
ROA ranks in the 85th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.60B | $1.33B | $1.30B | $174.7M | $14.7M | 1.92% | 4.65% | 1.23% |
| Q1 2026 | $1.54B | $1.31B | $1.24B | $167.4M | $7.0M | 1.87% | 4.63% | 0.94% |
| Q4 2025 | $1.47B | $1.26B | $1.20B | $161.2M | $28.0M | 1.98% | 4.72% | 0.63% |
| Q3 2025 | $1.47B | $1.25B | $1.18B | $156.0M | $20.6M | 1.97% | 4.69% | 0.54% |
| Q2 2025 | $1.41B | $1.23B | $1.12B | $147.0M | $13.4M | 1.95% | 4.68% | 0.47% |
| Q1 2025 | $1.37B | $1.19B | $1.09B | $142.1M | $6.4M | 1.89% | 4.61% | 0.44% |
| Q4 2024 | $1.34B | $1.17B | $1.08B | $134.2M | $21.1M | 1.63% | 4.29% | 0.42% |
| Q3 2024 | $1.36B | $1.15B | $1.06B | $131.8M | $14.6M | 1.51% | 4.21% | 0.34% |
Loan mix (Q2 2026): real estate $1.15B · commercial $133.4M · consumer $18.0M · securities $121.8M
| Ratio | PrimeSouth Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.92% | 1.26% | 85th | |
Return on equity Annualized net income ÷ equity or net worth | 17.6% | 12.2% | 85th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.65% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 45.9% | 59.0% | 14th |
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 | PrimeSouth Bank | 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 | PrimeSouth Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | PrimeSouth Bank | 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 | PrimeSouth Bank | 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 | PrimeSouth Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
8 branches in 5 counties across 2 states (+0 vs 2024) · $1.23B branch deposits. Biggest market: Glynn, GA, ranked 3rd with 11.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Glynn, GA | 4 | $349.7M | 11.32% | 3rd |
| Wayne, GA | 1 | $255.8M | 42.17% | 1st |
| Ware, GA | 1 | $254.6M | 21.86% | 1st |
| 2 more counties with Pro → | ||||
Georgia: 35th with 0.30% · Florida: 200th with 0.02% · Brunswick-St. Simons metro: 3rd, 10.30% · Jacksonville metro: 30th, 0.11% ·
Branch count: 2022 8 · 2023 8 · 2024 8 · 2025 8