FNB SOUTH

BankAlma, Georgia
www.fnbsouth.net

Total Assets

$713.6M

Total Deposits

$596.5M

Branches

4

Established

1950

TFS Health Grade

$
B

86.2 / 100

Good financial health

How we grade

FNB SOUTH is a bank headquartered in Alma, Georgia, established in 1950. With $713.6M in total assets and 4 branch locations, it has a TFS Financial Health Grade of B (86.2/100).

Capital & Safety

Tier 1 Capital Ratio
15.26%(8%)
Total Capital Ratio
23.65%(10%)
Non-Performing Loan Ratio
0.00%

Profitability

Return on Assets (ROA)
2.24%(1%)
Return on Equity (ROE)
14.79%(10%)
Net Interest Margin
5.27%
Efficiency Ratio
46.56%(60%)

Lending & Liquidity

Total Loans
$465.8M
Loan-to-Deposit Ratio
76.02%
Net Charge-Off Ratio
0.76%

Growth

Asset Growth (YoY)
+3.55%
Deposit Growth (YoY)
+2.35%
Net Income
$15.7M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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