# FNB SOUTH
ALMA, GA · FDIC certificate 17011 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 0 (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 | $734.8M | |
| Deposits | $610.4M | |
| Loans and leases | $497.4M | |
| Total equity | $116.5M | |
| Loans / deposits | 78.91% (p43 of band) | 82.04% |
| Liquid assets / assets | 26.73% (p55 of band) | |
| Uninsured deposits / deposits | 29.74% (p66 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 16.24% (p93 of band) | 10.81% |
| Unrealized securities loss / equity | -0.47% (p91 of band) | -8.10% |
| AOCI / equity | -0.76% (p31 of band) | |
| ROA (annualized) | 2.64% (p96 of band) | 1.28% |
| Net interest margin | 5.38% (p97 of band) | 3.91% |
| Efficiency ratio | 46.14% (p12 of band) | |
| Noncurrent loans | 0.00% (p9 of band) | 0.43% |
| Net charge-offs (annualized) | -0.97% (p0 of band) | |
| Reserve coverage of noncurrent | 143436.36% | |
| Real estate % of loans | 82% | |
| Construction % of loans | 22.83% (p28 of band) | |
| Auto loans | $11.2M (2.25% of loans; DQ 1.64%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 5.7% | |
| Employees | 70 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | losing money, reserve under noncurrent |  |
| 2011-06 | 1 |  | losing money |
| 2011-09 | 2 | liquid assets <10% |  |
| 2011-12 | 2 | charge-offs p90 | liquid assets <10% |
| 2012-03 | 2 | deposits shrinking | charge-offs p90 |
| 2012-06 | 2 | charge-offs p90 | deposits shrinking |
| 2012-09 | 2 |  |  |
| 2012-12 | 3 | noncurrent p90 |  |
| 2013-03 | 1 |  | reserve under noncurrent, noncurrent p90 |
| 2013-06 | 0 |  | charge-offs p90 |
| 2013-09 | 1 | charge-offs p90 |  |
| 2013-12 | 3 | noncurrent p90, reserve under noncurrent |  |
| 2014-03 | 3 |  |  |
| 2014-06 | 1 |  | noncurrent p90, reserve under noncurrent |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 3 | noncurrent p90, reserve under noncurrent |  |
| 2015-06 | 2 |  | reserve under noncurrent |
| 2015-09 | 2 |  |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 1 |  | noncurrent p90 |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 0 |  | charge-offs p90 |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | charge-offs p90 |  |
| 2018-03 | 1 | noncurrent p90 | charge-offs p90 |
| 2018-06 | 0 |  | noncurrent p90 |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | charge-offs p90 |  |
| 2019-03 | 0 |  | charge-offs p90 |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | charge-offs p90 |  |
| 2020-03 | 0 |  | charge-offs p90 |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 2 | charge-offs p90 |  |
| 2021-03 | 0 |  | capital falling, charge-offs p90 |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | charge-offs p90 |  |
| 2021-12 | 2 | capital falling |  |
| 2022-03 | 0 |  | charge-offs p90, capital falling |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2023-06 | 1 |  | deposits shrinking |
| 2023-09 | 0 |  | uninsured deposits leaving |
| 2023-12 | 2 | capital falling, charge-offs p90 |  |
| 2024-03 | 0 |  | capital falling, charge-offs p90 |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 1 | capital falling |  |
| 2025-03 | 0 |  | capital falling |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | charge-offs p90 |  |
| 2026-03 | 0 |  | charge-offs p90 |
| 2026-06 | 0 |  |  |

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

- 2025-01-22 [‘Good ol’ boy system,’ ‘Witch hunt’: What potential jurors had to say at start of Jackie Johnson trial - thecurrentga.org](https://news.google.com/rss/articles/CBMizAFBVV95cUxQWE5Ua0lvR1drWUJBbHNEYk9rZ2h2Zjdmb0xqcW85WkJ2WVNkS2ExNnFYM0xoS0N1RG50S0w1US14UHRRRjdEdmtDN21PUjBFTFlfOVlRTnE4bHBoNXNPbm1TSGNrQ3kyNEl4b2hWWGFuQzBGbHNmMkhfd1lPLUxyLUVTcnA5Y3VJNmIzODZUTDdKZ2RxdWdTUWI1ODcxSlZNTTBxNElvTHBieFlmX0tfYVl5dEx0RDlCMjYwUWY4WlBOSGlHSVVocERJcjU?oc=5) · thecurrentga.org
- 2015-03-26 [Beverly Byrd Obituary (2015) - Folkston, GA - Music Funeral Home - Waycross - legacy.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxNUmtrZWRrcjVEMjJsMTNpNk8xUE8yV2pVc0xqYmNyQUtLOFBTM0J4MjE4SHhnMVVWZjFpQ3M4amRPOUtIWWhoVFVpQ1VjdVF1OGJtRFFlMDJfMHlVc1dJLThEb3dMQjB2V1FHbjJNYlZQYnpSZ0xMTjRwMExBZUxTbm1iOA?oc=5) · legacy.com
- 2018-04-30 [Alma PD announce last week’s arrests, charges ranging from criminal trespass to battery - Douglas Now](https://news.google.com/rss/articles/CBMirwFBVV95cUxQQnh4akdYT0RmNlFKVG82N3dtVlJXQ1BJYVF6NnU2QlNRVzE4RTVKMU9XZGowOHc0d05mZFRSUVo0RER1Nk93b3I5VEs3WmtENFpBSUl0UWFjOU8yWWhMMU5qNWRLNlF4NERHQ1ZKb19hbUFDMjdSQ0lUeWhuR0JyQ3ZnS2tYS0ZjSFU1TnZ6X1BidElLbjJMQXJ4WVhoMjFZTTdoaHVjUnA5SXNHSm1r?oc=5) · Douglas Now
- 2026-09-02 [FNB turns Airlink flyover into viral banter on X with major brands - timeslive.co.za](https://news.google.com/rss/articles/CBMiwgFBVV95cUxNY2dJNXl4SW5STVBJYjdhLTVzek5oZVNXMzRUcUEyQjlQSmU0dndfQmtGTERIYnFDV1p4dFlZS3hYWnhIeDdBeG9CVDU0MHdkdURiQW5mUVE4Ulp3TVd6U1NrcHlMSmNORXhuUHhFVV9HamJsTE5Xcnc1SU5BMjY2V1BjZmlOd2tqeWt3clp0NzUzRDBDR0Jxbk5iQjdfU3lxYW1Nc1I3YnBxMzB1RmRtdS1lYVpESG5nZmdZOFJUUkJ1QQ?oc=5) · timeslive.co.za

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=17011 (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/51.json (key "17011", 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