FDIC Cert #17011 · Alma, Georgia · Est. 1950

FNB SOUTH - FDIC Bank Health Profile

A community-scale look at FNB SOUTH's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$714M
Total assets
A
Health grade · Excellent
2.24%
Return on assets
22.4%
Tier 1 capital

Data updated July 2026

The verdict

FNB SOUTH earns a PlainBankData health grade of A (100/100), with well-capitalized at 22.38% Tier 1, profitable at 2.24% ROA, efficient (47% cost ratio).

#1,366
largest of 4,313 FDIC banks by assets
68th
percentile by asset size, nationally
22.38%
Tier 1 ratio - above the 10% well-capitalized line
94th
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 17011 · GA A · 100/100

GRADE-A · TOP-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-MID · BOOK-FULL

  • GRADE-A A (100/100)
  • TOP-DECILE #54/4307
  • PHOTO-FINISH First State Bank of… · TX
  • TIER1-WELL 22.4% Tier 1
  • TEXAS-CLEAN 0.0% Texas
  • ROA-STRONG 2.24% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Georgia: First State Bank of Bedias, TX (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around FNB SOUTH

Lowest and highest poles plus nearest scored peers outside Georgia, not a full FDIC corpus board reprint.

Community 1st Bank L… · NM ·…100/100First State Bank of… · TX · …100/100FNB SOUTH · GA · this bank100/100Heritage Bank · NE · near100/100Morgan Stanley Bank,… · UT ·…100/100The Peoples State Bank · KS …100/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around FNB SOUTH · July 2026

Call Report read for FNB SOUTH in a high-failure state

FNB SOUTH (FDIC Cert #17011) carries a PlainBankData health grade of A at 100/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #54 of 4,307. Tier 1 capital prints at 22.38%, clearing the 10% well-capitalized line. The Texas Ratio is 0.00%, inside the sub-50% band analysts treat as healthy. Return on assets is 2.24%. Balance-sheet scale is $714M, 1,366th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is First State Bank of Bedias (TX), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around FNB SOUTH

94 FAILURE resolutions in Georgia since 2000, heavy vs the state corpus

FNB SOUTH sits in one of the heavier post-2000 FAILURE states (94 resolutions; latest year 2016). The list below is state history from the Failed Bank List, not a claim about FNB SOUTH's current Call Report.

  • THE WOODBURY BANKING COMPANY WOODBURY, GA 2016 → UNITED BANK
  • CAPITOL CITY BANK & TRUST COMPANY ATLANTA, GA 2015 → FIRST-CITIZENS BANK & TRUST COMPANY
  • THE BANK OF GEORGIA PEACHTREE CITY, GA 2015 → FIDELITY BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Georgia banks.

How FNB SOUTH's 100/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/100100/100
FNB SOUTH's composite health score
Tier 1 Capital Ratio (22.38%) 40/40
Return on Assets (ROA) (2.24%) 25/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (46.56%) 15/15

100 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$714M

Total balance-sheet footings

Total Deposits

$597M

Customer-funded liabilities

Net Loans

$453M

Outstanding loan book

Net Income

$16M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 5% 10% 15% 20% 25% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 20.98% 22.38% 23.78%
Basel III capital ratios - FNB SOUTH

Where FNB SOUTH ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. FNB SOUTH's score of 100/100 falls in the highlighted band.

FNB SOUTH: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

100 Top 1% higher than 99% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). Below this entry. 90–100: 815 FDIC-insured banks (19%). This entry sits in this band. FNB SOUTH 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

FNB SOUTH's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). FNB SOUTH's $714M falls in the highlighted band.

Capital & credit buffers at FNB SOUTH

Tier 1 capital ratio
Well-capitalized 10%

22.38% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
22.38%
Texas Ratio
0.00%
Equity Capital
$109M

What these ratios mean →

Earnings posture at FNB SOUTH

Return on Assets (ROA)
94th percentile nationally
2.24%
Return on Equity (ROE)
14.79%
Efficiency Ratio
46.56%

What these mean →

Income & expense at FNB SOUTH

$45M
Interest Income
$4M
Non-Interest Income
$17M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. FNB SOUTH reports a Texas Ratio of 0.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.00% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View FNB SOUTH on FDIC BankFind →

Top banks in Georgia by total assets

Largest banks headquartered in Georgia
  1. 1
    Ameris Bank $27.4B

    Atlanta, GA · Grade A

  2. 2
    RBC Bank, (Georgia) $8.0B

    Atlanta, GA · Grade A

  3. 3
    Metro City Bank $4.7B

    Doraville, GA · Grade A

  4. 4
    Colony Bank $3.7B

    Fitzgerald, GA · Grade B

  5. 5
    Georgia Banking Company $2.7B

    Atlanta, GA · Grade B

Top 5 banks in Georgia ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($714M here), outside Georgia so the neighborhood is not state containment.

Hickory Point Bank and Trust $713M · IL Partners Bank of California $713M · CA The Queenstown Bank of Maryland $715M · MD The Malvern National Bank $713M · AR

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) FNB SOUTH (FDIC Cert #17011) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

FNB SOUTH Call Report profile · FDIC Failed Bank List · Georgia FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Georgia

All Georgia banks →
BankAssetsGradeROA
Ameris BankAtlanta $27.4B A 1.64%
RBC Bank, (Georgia) National AssociationAtlanta $8.0B A 2.48%
Metro City BankDoraville $4.7B A 1.79%
Colony BankFitzgerald $3.7B B 0.92%
Georgia Banking CompanyAtlanta $2.7B B 0.96%
United BankZebulon $2.3B A 2.66%
Pinnacle BankElberton $2.3B B 1.29%
Queensborough National Bank & Trust CompanyLouisville $2.2B A 1.05%