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Fnb South
Alma, GA · FDIC Certificate #17011 · Chartered 02/1
Total assets
$734.82M
Total deposits
$610.36M
Total equity
$116.51M
Net loans
$481.66M
Branches (offices)
4
Net income (YTD)
$9.51M
Rank: #1,332 of 4,213 U.S. banks by assets · #22 of 123 in Georgia. Assets changed 6.1% and deposits 5.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.64% |
| Return on equity | 16.86% |
| Net interest margin (YTD) | 5.38% |
| Equity to assets | 15.85% |
| Tier 1 leverage ratio | 16.24% |
| Uninsured deposits (share of deposits) | 29.7% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | -1.45% |
| Loans to deposits | 78.9% |
| Real estate loans (share of loans) | 84.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $406.97M | 84.5% | |
| Commercial & industrial | $52.83M | 11.0% | |
| Consumer / individual | $26.44M | 5.5% | |
| Construction & development | $26.60M | 5.5% | |
| Agricultural | $9.06M | 1.9% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $552.93M | $466.60M | $7.28M | $81.03M |
| Jun 2023 | $553.26M | $455.17M | $8.63M | $92.42M |
| Jun 2024 | $610.70M | $504.70M | $9.23M | $99.90M |
| Jun 2025 | $692.43M | $577.49M | $8.88M | $108.31M |
| Jun 2026 | $734.82M | $610.36M | $9.51M | $116.51M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Georgia | $610.36M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $610.36M.
Similar-sized banks
Peoples Community Bank ($735.22M) · Woodtrust Bank ($734.75M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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