# ONESOUTH BANK
MACON, GA · FDIC certificate 15813 · asset band <$300M · latest filing 2024-03 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 4 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $204.1M | |
| Deposits | $174.2M | |
| Loans and leases | $173.0M | |
| Total equity | $22.8M | |
| Loans / deposits | 97.86% (p89 of band) | 70.19% |
| Liquid assets / assets | 12.34% (p6 of band) | |
| Uninsured deposits / deposits | 23.37% (p66 of band) | 18.94% |
| Brokered deposits | 2.99% | |
| Wholesale funding | 5.93% (p68 of band) | |
| FHLB advances / assets | 2.94% | |
| Tier 1 leverage | 10.66% (p41 of band) | 11.30% |
| Unrealized securities loss / equity | 0.00% (p96 of band) | -16.70% |
| AOCI / equity | 0.70% (p95 of band) | |
| ROA (annualized) | -0.95% (p3 of band) | 0.87% |
| Net interest margin | 3.66% (p57 of band) | 3.46% |
| Efficiency ratio | 83.96% (p73 of band) | |
| Noncurrent loans | 0.20% (p48 of band) | 0.25% |
| Net charge-offs (annualized) | 1.47% (p100 of band) | |
| Reserve coverage of noncurrent | 722.70% | |
| Real estate % of loans | 89% | |
| Construction % of loans | 136.97% (p96 of band) | |
| Auto loans | $63,000 (0.04% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 4.0% | |
| Employees | 29 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **charge-offs p90** (`aq_nco`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 2 | uninsured deposits leaving |  |
| 2012-12 | 2 | capital falling | uninsured deposits leaving |
| 2013-03 | 2 |  |  |
| 2013-06 | 1 |  | capital falling |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 2 | capital falling |  |
| 2014-06 | 1 |  | capital falling |
| 2014-09 | 0 |  | reserve under noncurrent |
| 2014-12 | 1 | uninsured deposits leaving |  |
| 2015-03 | 1 | capital falling | uninsured deposits leaving |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 | reserve under noncurrent | capital falling |
| 2016-06 | 4 | loans exceed deposits, liquid assets <10%, noncurrent p90 |  |
| 2016-09 | 2 | capital falling | loans exceed deposits, liquid assets <10%, noncurrent p90 |
| 2016-12 | 3 | construction >100% equity |  |
| 2017-03 | 2 |  | capital falling |
| 2017-06 | 4 | loans exceed deposits, liquid assets <10% |  |
| 2017-09 | 3 |  | liquid assets <10% |
| 2017-12 | 4 | capital falling, charge-offs p90 | loans exceed deposits |
| 2018-03 | 2 |  | capital falling, charge-offs p90 |
| 2018-06 | 3 | charge-offs p90 |  |
| 2018-09 | 2 | assets shrinking | reserve under noncurrent, construction >100% equity |
| 2018-12 | 0 |  | charge-offs p90, assets shrinking |
| 2019-03 | 1 | reserve under noncurrent |  |
| 2019-06 | 2 | charge-offs p90 |  |
| 2019-09 | 1 |  | reserve under noncurrent |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | reserve under noncurrent |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 1 |  | reserve under noncurrent |
| 2020-12 | 0 |  | charge-offs p90 |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 2 | construction >100% equity, uninsured deposits leaving |  |
| 2022-09 | 1 |  | uninsured deposits leaving |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 2 | capital falling |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 4 | losing money, charge-offs p90 |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2023-08-30 [Five Star to acquire OneSouth Bank - Early County News](https://news.google.com/rss/articles/CBMiggFBVV95cUxPRTAxQjhOam9MeDBhRlMyZkg2Slh3UlJoclh4XzVjRG5Mcng5ZjNKc2NKbmw0MVdlNHVGeFBOQ19JRVAwN25JaXh4UV9hai1xYVkxY0lRRDhPVnpQbnlockYxbzk4amRka0dBbXpkYzQtdXU0ZDhFd0pXVTRxY1JpY1ZR?oc=5) · Early County News
- 2023-08-29 [Alabama credit union agrees to buy Georgia’s OneSouth Bank - Banking Dive](https://news.google.com/rss/articles/CBMirwFBVV95cUxORFIxTFkxOEkwb1c2SV9lakJ6MTk2elF0UWdsaXoxZkJyMlVrTHl4QlJpTUVxeE9GRWVCdVBMT3pycXJzVEhIal9fZTZVYmlqeEJCUWIzMk1xNVFVMG5QMmM1aFlkYUFQZWdRZS1LZk5oemdIMzdsSy1uWFF4SHpJR2UwdjlBQmIwLUNGcDkweTU0Q1c2eU1fUzRDVkNRZS1rQW51LUNwNVpCVzVXamtn?oc=5) · Banking Dive
- 2023-08-28 [Five Star Credit Union is buying a third Georgia bank - American Banker](https://news.google.com/rss/articles/CBMipAFBVV95cUxOVUEtTnktNXh2S3l5Y3UxaTNqUUE4VjVacVZFbHJ4VXpaeDNWV3dvYm03Y2I3NDlZSmJ2YUdhNGc0Z2E3ZTFjdF92cnQ1NGdSSnAwRHR6N09TUmpzS3lDSE9wRjh5SzItN1ZzNWtYajlxVk9QU3VSN3p1NXZpQzgwZ0Z2bjZmRlAxbmJJWGc3aF9sem1uWXEyUDREY2xEX0tJX3RhOA?oc=5) · American Banker
- 2023-08-31 [Make It Four! Another Bank Acquisition Announced (2 by Same CU) - cutoday.info](https://news.google.com/rss/articles/CBMinwFBVV95cUxPRndTOWpTR05MQllLVFhCcUV6WW12M0FuejB2TU9xT3BNTHlUQjcxSWdhN2NkUUZNTjNCZ2o0ZlczT3BmQUJSbDhaN3o2NkYzd3dTTHYzdnduZHhwTnpyM3BXcVpvSXdBaUhWTFlCak9vX2FrRk9yTS16YWllbHROc3JiNU9IdFdOUTNhdUxBM253eXRZTWNKcDc1SnpoWU0?oc=5) · cutoday.info
- 2023-07-12 [Kim Wilson, CEO of OneSouth Bank, elected 134th chairman of the Georgia Bankers Association - Early County News](https://news.google.com/rss/articles/CBMiywFBVV95cUxPTnF0RHZ5WlpqUWI3dVhzZXROSWtURk5wTFNwd2kzbEpDZGRXQlpNek5melVfT2l6UjNNRURZWG1ZWjJHYzZPd1BxNjA5VThxOXBNYzVMekR0RnV0ZGVieUsxYVBUY2NVd21WeloxOWN6eXF6NHdKcVJPaFlOcWNOYlF3bnZCdGJCWGo4VXpsNXhPNG1RTF9xMHBRQWJPbnkwcENXQ2tFUndkTFBRcXY3aXZ3Zm5ZdkwyMnltY091S0ZZcVcxYU1pR1E5WQ?oc=5) · Early County News
- 2018-06-28 [What’s open, what’s not for Columbus Day - macon.com](https://news.google.com/rss/articles/CBMiZ0FVX3lxTFBOQnBuSjR5d2EzSDBvejZTLThHcXREQ05kWHpIY0V3NDZTT1JHQTRlWGp5MWtGckdpSGZEZTZaTUNSbnhjSE9FVHk1ME41U2ZGU19JaG5UUEprWldFNE5yOExOdlE2amvSAWdBVV95cUxNZ1MtRFlpTzdobDNMOGJ2ZmpvYUl6eHczNHFDZmVyaHJsMWJnNVZRX3VKUzYtYWsyZkRCWldrNUZZZnJTLXF5R3I2OFRVdmZhaFFSVDZSbXBWRlNucHVSOFBkN3N1MTE0?oc=5) · macon.com
- 2023-07-26 [Bank of Dudley CEO elected to Ga. Bankers Assoc. board - mymcr.net](https://news.google.com/rss/articles/CBMiyAFBVV95cUxNU1dTXzIzSHRqOGgxS3lFeGNVVGJ6NnIySHBuVFZ1UEpxckpVN3FzUXdwSF9YSlNIRWZJZVU5LXBYdUJ3THJGRURUdDVLT3ZhZER1Y3RMWkFoajZ1WEdTcUhZdGk0dEpEekpuTm5ma040c3B4dTZacXpDbHZWMEktakFZejJzcmNvdmpUZElqS054a012YU5yTkg3TE5Ecy1xc2lxaFNjUDAyVlFScjY3cnFyZkdtbElyZ2dJOTFCQy1BZ3hrb2h3WA?oc=5) · mymcr.net
- 2022-08-31 [Macon businessman Randy Griffin joins OneSouth Bank board - Early County News](https://news.google.com/rss/articles/CBMioAFBVV95cUxNdEVsWFhpRjgwMnBrb3phb1Y5eGRiOGw2VmdVQW9OQW9wWUZLMEltSEtTVVNBWVE0ck54OWplNm9uenU0T3J0TDVIal9GVmgtWEFBT0VqOWxOTGhvODVJd0NXWDVIak5rbUJzam11XzV5V3JheUxKcVBxSEgtVlg2Z2dZS1hIa1FJaW5zeEJzREdsQzA2WjBTd2hjeTlKXzg5?oc=5) · Early County News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15813 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/5.json (key "15813", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide