# BANKSOUTH
GREENSBORO, GA · FDIC certificate 16418 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (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 | $1.59B | |
| Deposits | $1.36B | |
| Loans and leases | $1.24B | |
| Total equity | $165.2M | |
| Loans / deposits | 89.73% (p59 of band) | 87.10% |
| Liquid assets / assets | 18.17% (p37 of band) | |
| Uninsured deposits / deposits | 40.63% (p75 of band) | 30.76% |
| Brokered deposits | 1.94% | |
| Wholesale funding | 4.46% (p43 of band) | |
| FHLB advances / assets | 2.52% | |
| Tier 1 leverage | 10.17% (p41 of band) | 10.50% |
| Unrealized securities loss / equity | -0.98% (p89 of band) | -7.75% |
| AOCI / equity | -0.48% (p37 of band) | |
| ROA (annualized) | 1.57% (p72 of band) | 1.26% |
| Net interest margin | 4.63% (p90 of band) | 3.70% |
| Efficiency ratio | 69.66% (p78 of band) | |
| Noncurrent loans | 0.55% (p53 of band) | 0.51% |
| Net charge-offs (annualized) | -0.01% (p5 of band) | |
| Reserve coverage of noncurrent | 254.76% | |
| Real estate % of loans | 94% | |
| Construction % of loans | 106.14% (p90 of band) | |
| Auto loans | $9.0M (0.73% of loans; DQ 3.92%, NCO -0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 20.1% | |
| Employees | 303 | |

## Flags firing in the latest filing

- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | noncurrent p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 2 |  | noncurrent p90 |
| 2011-09 | 2 |  |  |
| 2011-12 | 3 | noncurrent p90 |  |
| 2012-03 | 4 | uninsured deposits leaving |  |
| 2012-06 | 3 |  | uninsured deposits leaving |
| 2012-09 | 2 |  | noncurrent p90 |
| 2012-12 | 2 |  |  |
| 2013-03 | 3 | charge-offs p90 |  |
| 2013-06 | 2 |  | charge-offs p90 |
| 2013-09 | 2 | capital falling | reserve under noncurrent |
| 2013-12 | 1 |  | capital falling |
| 2014-03 | 2 | reserve under noncurrent |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 3 | loans exceed deposits |  |
| 2014-12 | 2 |  | loans exceed deposits |
| 2015-03 | 3 | loans exceed deposits |  |
| 2015-06 | 3 |  |  |
| 2015-09 | 4 | capital falling |  |
| 2015-12 | 3 |  | reserve under noncurrent |
| 2016-03 | 1 |  | loans exceed deposits, capital falling |
| 2016-06 | 2 | loans exceed deposits |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 3 | capital falling |  |
| 2017-03 | 2 | expense ratio p90 | loans exceed deposits, capital falling |
| 2017-06 | 2 |  |  |
| 2017-09 | 3 | capital falling |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 3 | loans exceed deposits | capital falling |
| 2018-06 | 3 |  |  |
| 2018-09 | 3 | capital falling | loans exceed deposits |
| 2018-12 | 3 |  |  |
| 2019-03 | 3 | liquid assets <10% | capital falling |
| 2019-06 | 2 |  | liquid assets <10% |
| 2019-09 | 3 | capital falling |  |
| 2019-12 | 2 |  | capital falling |
| 2020-03 | 3 | loans exceed deposits, liquid assets <10% | expense ratio p90 |
| 2020-06 | 2 |  | liquid assets <10% |
| 2020-09 | 4 | liquid assets <10%, capital falling |  |
| 2020-12 | 2 |  | loans exceed deposits, liquid assets <10% |
| 2021-03 | 1 |  | capital falling |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 4 | capital falling, expense ratio p90, uninsured deposits leaving |  |
| 2022-06 | 3 |  | capital falling |
| 2022-09 | 3 |  |  |
| 2022-12 | 5 | liquid assets <10%, deposits shrinking |  |
| 2023-03 | 3 |  | uninsured deposits leaving, liquid assets <10% |
| 2023-06 | 4 | capital falling, charge-offs p90 | deposits shrinking |
| 2023-09 | 2 |  | expense ratio p90, capital falling |
| 2023-12 | 2 | loans exceed deposits | charge-offs p90 |
| 2024-03 | 1 |  | loans exceed deposits |
| 2024-06 | 1 |  |  |
| 2024-09 | 2 | capital falling |  |
| 2024-12 | 1 |  | capital falling |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

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

- 2026-01-23 [BankSouth opens full-service branch at Hyundai Metaplant - Statesboro Herald](https://news.google.com/rss/articles/CBMinAFBVV95cUxNcm00R3R2TVN4N253SHpiZ1p1SF9BUHhacDFjQnF4bzBxYV9QckpRaVlVQXdyRW5ScjVQc0EyZFNPWWJJNEVnNHlmZjFjVmlIdWhuM0pRQktOWERFVkxCaUlFcXZKTzJwWVcxV1hHNm4tdlo4d1UySVp0UFdOZlhPLS1kTms1ZGxuSEl0RnZPTjZFeC1nTzdib25DdnI?oc=5) · Statesboro Herald
- 2026-01-22 [Kendria Lee to be recognized as Emerging Leader at 2026 Leadership Forum - griceconnect.com](https://news.google.com/rss/articles/CBMivgFBVV95cUxNcGkydkd0OTJHLTVPRkJQTTBYaXg4VkFTYzhoa2Y1VkJRUHBtdWctQ29nZ2RzUlFSUU15dHJXYUFfWmU3ZXF0eGJhRVk5OFE1V0hzNEZTWThLY2poVHhITXYtOHhweXJUMnVtWFc0NmQwUF83MHJ6eTh1SGVteF9QaGtObUpEdUNraWJSM3pkVlZpU3JWU3V3dnYzOC1BbG9fYVBWMzVhY2MxQ1gyc3ZrUk5FUGRCcnExVXVIZVhn?oc=5) · griceconnect.com
- 2023-12-13 [BankSouth (GA) Review | Review, Fees, Offerings - SmartAsset](https://news.google.com/rss/articles/CBMiekFVX3lxTFBMajBDc2tWMXZTN0FTZy1lclN3dmhhWXFQOXlSVjgwdmdIblBBbjdVeUVPTTZSVzBLenN2VGZ1Nl9YZXV1eml5R0ppRngwRTc5X05GeVJnei1GWTRGOUQ3VmRrQTRHVUVYNUZ6LWpkdjk0UDZ5NWw4cU53?oc=5) · SmartAsset
- 2020-01-04 [BankSouth Mortgage to open office in The Plaza - The Augusta Chronicle](https://news.google.com/rss/articles/CBMiswFBVV95cUxQWXpSdVZPZ21GalRpaGJGbWhyYnBqOFVXMmdCQ29DcW5EVy1xMEJaSDhiaC1BVmR4bmJyQnhjUXZQRXVLVDJETGUyMlNPM1NVNkNFZWlfZi01cTVCcmxUODl5dnRaaTV4R3EwTEJFR0h1bkIyNElOdms1ZWlFZFpmWmhkTW56UnUtb2FRaGNPUHJVaHdtNFhzMFdGYzBFeWpweERyRml6cFJFUmFxdTNfclZsYw?oc=5) · The Augusta Chronicle
- 2025-11-07 [BankSouth announces appointment of John Phillips to board of directors - Lake Oconee Breeze](https://news.google.com/rss/articles/CBMisAFBVV95cUxPWHpRanNTd3BjcURKNXliNUVwOV93dk1FX09fNzhnODdMTVRLYUVkaHA3VTE0QURfOUNjQ1A5Nkl2dUkzNWxheF9aeWxYTVZabFRsOV9BTC1tTlZUZlRxaENDSEZHdTQ2andEZUJ0clZLcFZPUGNXMUJObzlUWUVJVDVpM3paaGNfa1NkYXJITE5NT3FFZjZpOXNjUzFrNWJnWGhub2N0RTQ1TU9WYUtDRA?oc=5) · Lake Oconee Breeze
- 2008-01-18 [Coastal Bank and BankSouth to merge - Savannah Morning News](https://news.google.com/rss/articles/CBMimwFBVV95cUxObmp6dFFqOVEtN2FPMXZsckJWNGJoTXMzVHhBRm9pOWxQbERGMkpHWk9NajJ5bTAtMDZ0ZTRhc1ozZEtFcC1ZUE05MHRmbDNXZHBzNk16OFpQQWtKSGJ2MXVrXzc5djB2Z2RTc1hqYXB5Tkc0elVSUWp3d2dRNHF3azBsZG9mMDNOdlpNM1NOeHEwOXhDNnhIUFNacw?oc=5) · Savannah Morning News
- 2013-09-22 [John Aldridge Obituary - East Point, GA - Dignity Memorial](https://news.google.com/rss/articles/CBMihAFBVV95cUxNbGRHaUhHVElCSFNMdHNsdXRuRmFxcmpvRGxoWDhqQ1k5U3dvd1pOeUhNTVUwczhjMmtaOG5mbnREMVM3N3FZVlEzcEZ4SVRGSndzdzZzVHd4NWlLdlNTT3JfR2JLdHI4R0NHa244V09wN3p5dFdWbzMwVEF6bHRCQnNXQ08?oc=5) · Dignity Memorial
- 2024-01-18 [Thillen Education Foundation welcomes BankSouth as new business partner - Lake Oconee Breeze](https://news.google.com/rss/articles/CBMisgFBVV95cUxPWG9LTG1MS2E5STV0aWRQS0dXamZpa1dIang4dGR0NTRwc2gzWmhudjZxUEQtZUhneldEd25VakZqTTd6RjlOM2Nrd21zbkJGTHhoLXFrQm5aY3R2ZVo5SFZ5MWU2MUNrMkhRcVlXVXlhV2ZJSFZRdlBWbGp2Y0JaQlA1a2IwQU5XeEI1NEFMc1g3ajcwR19RVHpaeWNrMnZzNmt6SENiN1JQMnVHNnV3cUt3?oc=5) · Lake Oconee Breeze

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=16418 (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/34.json (key "16418", 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