Headquartered in Greensboro, Georgia, BankSouth is a savings bank with $1.6B in total assets and $1.4B in deposits as of Q2 2026. It operates 10 offices. Its charter dates back to 1946.
Based on its Q2 2026 filing, BankSouth scores 68/100, which we describe as moderate. That is higher than only 49% of 897 banks with $1 billion – $10 billion. Among 124 banks headquartered in Georgia, it ranks 90th. Its strongest component is problem-loan coverage (92/100; 3.8%), and its lowest is funding & liquidity (42/100; 90% loans-to-deposits, 41% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 6 points (74 → 68), mostly because the loan quality component weakened by 15 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 69 |
| Q3 2024 | 69 |
| Q4 2024 | 70 |
| Q1 2025 | 72 |
| Q2 2025 | 74 |
| Q3 2025 | 73 |
| Q4 2025 | 66 |
| Q1 2026 | 68 |
| Q2 2026 | 68 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.30% |
| Q3 2024 | 10.10% |
| Q4 2024 | 10.20% |
| Q1 2025 | 10.66% |
| Q2 2025 | 10.89% |
| Q3 2025 | 11.21% |
| Q4 2025 | 9.39% |
| Q1 2026 | 9.93% |
| Q2 2026 | 10.17% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.31% |
| Q3 2024 | 0.36% |
| Q4 2024 | 0.33% |
| Q1 2025 | 0.19% |
| Q2 2025 | 0.09% |
| Q3 2025 | 0.25% |
| Q4 2025 | 0.52% |
| Q1 2026 | 0.55% |
| Q2 2026 | 0.55% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.43% |
| Q3 2024 | 1.45% |
| Q4 2024 | 1.53% |
| Q1 2025 | 1.44% |
| Q2 2025 | 1.56% |
| Q3 2025 | 1.49% |
| Q4 2025 | 1.50% |
| Q1 2026 | 1.48% |
| Q2 2026 | 1.57% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 68 | $1.6B | 10.17% | 0.55% | 1.57% | 89.7% |
| Q1 2026 | 68 | $1.6B | 9.93% | 0.55% | 1.48% | 83.5% |
| Q4 2025 | 66 | $1.6B | 9.39% | 0.52% | 1.50% | 89.7% |
| Q3 2025 | 73 | $1.3B | 11.21% | 0.25% | 1.49% | 94.7% |
| Q2 2025 | 74 | $1.3B | 10.89% | 0.09% | 1.56% | 92.9% |
| Q1 2025 | 72 | $1.4B | 10.66% | 0.19% | 1.44% | 92.1% |
| Q4 2024 | 70 | $1.3B | 10.20% | 0.33% | 1.53% | 94.5% |
| Q3 2024 | 69 | $1.3B | 10.10% | 0.36% | 1.45% | 93.4% |
| Q2 2024 | 69 | $1.3B | 10.30% | 0.31% | 1.43% | 95.8% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Georgia
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| PrimeSouth BankBank Blackshear, GA | 66 out of 100, Moderate | $1.6B | 12.0% | 1.48% | vs |
| PeoplesSouth BankBank Colquitt, GA | 69 out of 100, Moderate | $1.2B | 10.4% | 1.02% | vs |
| American Pride BankBank Macon, GA | 77 out of 100, Strong | $1.0B | 14.1% | 0.00% | vs |
| United BankBank Zebulon, GA | 89 out of 100, Very strong | $2.2B | 12.8% | 0.23% | vs |
| Thomasville National BankBank Thomasville, GA | 76 out of 100, Strong | $2.2B | 10.7% | 0.22% | vs |
| Queensborough National Bank & Trust CompanyBank Louisville, GA | 62 out of 100, Moderate | $2.3B | 8.6% | 0.59% | vs |
Deposit insurance
Is my money safe at BankSouth?
Yes. BankSouth is an FDIC-insured institution (FDIC certificate #16418). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 40.6% of deposits ($553.7M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.17%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.33% (benchmark: 10%).
10 locations
Branches
BankSouth lists 10 offices in 9 cities. Most locations:
- Greensboro, GA (2)
- Atlanta, GA (1)
- Cochran, GA (1)
- Dexter, GA (1)
- Dublin, GA (1)
- Ellabell, GA (1)
- Savannah, GA (1)
- Watkinsville, GA (1)
- Wrightsville, GA (1)
HMDA 2025
Mortgage lending
In 2025, BankSouth reported 235 home-loan applications under HMDA (LEI 549300EA0U825E61X330): 200 originated ($88,900,000 total), 7 denied, and 26 withdrawn or closed by the applicant. Its denial rate on decided applications was 3.3%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- BankSouth
- Former names
- Citizens Union Bank; The Citizens Bank
- Type
- Savings bank
- FDIC certificate #
- 16418
- RSSD ID
- 88231
- Primary regulator
- OCC
- Holding company
- Banksouth Holding Co
- Established
- April 10, 1946
- Headquarters
- 6340 Lake Oconee Pkwy, Greensboro, GA 30642
- Website
- www.banksouth.com
- Employees
- 303
Quick answers
BankSouth: common questions
Is BankSouth FDIC insured?
Yes. BankSouth is an FDIC-insured institution (FDIC certificate #16418). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is BankSouth's TellerScore?
68 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has BankSouth ever failed?
There is no failure record for FDIC certificate #16418 in the FDIC failed bank list.
How many branches does BankSouth have?
10 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Greensboro
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| United BankBank Zebulon, GA | 89 out of 100, Very strong | $2.2B | 12.8% | 0.23% | vs |
| F&M BankBank Washington, GA | 88 out of 100, Very strong | $419.9M | 14.9% | 0.38% | vs |
| Bank of MadisonBank Madison, GA | 83 out of 100, Strong | $448.1M | 11.6% | 0.02% | vs |
| Bank of Hancock CountyBank Sparta, GA | 81 out of 100, Strong | $85.2M | 20.2% | 0.82% | vs |
| The Peoples BankBank Eatonton, GA | 79 out of 100, Strong | $269.7M | 11.7% | 0.00% | vs |
| The Farmers BankBank Greensboro, GA | 77 out of 100, Strong | $148.3M | 11.2% | 0.05% | vs |