Total Assets
$714M
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$597M
Customer-funded liabilities
Net Loans
$453M
Outstanding loan book
Net Income
$16M
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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.
Safety metrics
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
Profitability metrics
Return on Assets (ROA)
94th percentile nationally
2.24%
Return on Equity (ROE)
14.79%
Efficiency Ratio
46.56%
What the numbers say about FNB SOUTH
FNB SOUTH is an FDIC-insured institution (Certificate #17011) headquartered in Alma, Georgia, established in 1950. It holds $714M in total assets - 1,366th of 4,313 FDIC-insured banks, $597M in customer deposits, and $453M in net loans. Capital-wise, the Tier 1 ratio sits at 22.38%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 0.00%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of A (100 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
FNB SOUTH sits 24th of 129 banks headquartered in Georgia by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$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.
Top banks in Georgia by total assets
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.
Other banks in Georgia
All Georgia banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is FNB SOUTH's health grade?▼
FNB SOUTH receives a health grade of A (100/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is FNB SOUTH?▼
FNB SOUTH holds $714M in total assets and $597M in deposits, ranking 1,366th of 4,313 FDIC-insured banks by asset size. It is headquartered in Alma, Georgia.
Is my money safe at FNB SOUTH?▼
Yes, deposits at FNB SOUTH (Certificate #17011) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is FNB SOUTH's Tier 1 Capital Ratio?▼
FNB SOUTH has a Tier 1 Capital Ratio of 22.38%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for FNB SOUTH?▼
FNB SOUTH has a Texas Ratio of 0.00%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is FNB SOUTH?▼
FNB SOUTH has an Efficiency Ratio of 46.56%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read FNB SOUTH's profile as a depositor or analyst.
- FNB SOUTH's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare FNB SOUTH against other Georgia banks before moving funds. Georgia banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.