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Banksouth
Greensboro, GA · FDIC Certificate #16418 · Chartered 04/1
Total assets
$1.59B
Total deposits
$1.36B
Total equity
$165.22M
Net loans
$1.22B
Branches (offices)
10
Net income (YTD)
$12.49M
Rank: #711 of 4,213 U.S. banks by assets · #11 of 123 in Georgia. Assets changed 18.7% and deposits 20.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.57% |
| Return on equity | 15.64% |
| Net interest margin (YTD) | 4.63% |
| Equity to assets | 10.39% |
| Tier 1 leverage ratio | 10.17% |
| Uninsured deposits (share of deposits) | 40.6% |
| Noncurrent loans (share of loans) | 0.55% |
| Net charge-offs (share of loans) | -0.01% |
| Loans to deposits | 89.7% |
| Real estate loans (share of loans) | 95.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.16B | 95.1% | |
| Commercial & industrial | $54.10M | 4.4% | |
| Consumer / individual | $18.29M | 1.5% | |
| Construction & development | $175.37M | 14.3% | |
| Agricultural | $4.98M | 0.4% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.19B | $1.03B | $6.09M | $114.13M |
| Jun 2023 | $1.24B | $1.06B | $4.24M | $120.87M |
| Jun 2024 | $1.33B | $1.14B | $9.24M | $133.16M |
| Jun 2025 | $1.34B | $1.13B | $10.46M | $146.13M |
| Jun 2026 | $1.59B | $1.36B | $12.49M | $165.22M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Georgia | $1.36B | 10 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.36B.
Similar-sized banks
Peoples Bank And Trust Company ($1.59B) · The Vinton County National Bank ($1.59B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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