Headquartered in Dothan, Alabama, BankSouth is a state-chartered bank with $221.5M in total assets and $178.4M in deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1928.
Based on its Q2 2026 filing, BankSouth scores 84/100, which we describe as strong. That is higher than 86% of 2,650 banks with $100 million – $1 billion. Among 93 banks headquartered in Alabama, it ranks 14th. Its strongest component is capital cushion (100/100; 19.06%), and its lowest is funding & liquidity (29/100; 100% loans-to-deposits, 43% 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
The score has been essentially flat from Q2 2025 to Q2 2026 (84 → 84).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 83 |
| Q3 2024 | 84 |
| Q4 2024 | 84 |
| Q1 2025 | 84 |
| Q2 2025 | 84 |
| Q3 2025 | 85 |
| Q4 2025 | 85 |
| Q1 2026 | 84 |
| Q2 2026 | 84 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 19.83% |
| Q3 2024 | 20.02% |
| Q4 2024 | 19.40% |
| Q1 2025 | 19.30% |
| Q2 2025 | 19.28% |
| Q3 2025 | 19.58% |
| Q4 2025 | 19.48% |
| Q1 2026 | 19.41% |
| Q2 2026 | 19.06% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.02% |
| Q3 2024 | 0.02% |
| Q4 2024 | 0.02% |
| Q1 2025 | 0.02% |
| Q2 2025 | 0.02% |
| Q3 2025 | 0.02% |
| Q4 2025 | 0.02% |
| Q1 2026 | 0.02% |
| Q2 2026 | 0.02% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.13% |
| Q3 2024 | 1.21% |
| Q4 2024 | 1.28% |
| Q1 2025 | 1.20% |
| Q2 2025 | 1.31% |
| Q3 2025 | 1.43% |
| Q4 2025 | 1.44% |
| Q1 2026 | 1.27% |
| Q2 2026 | 1.39% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 84 | $221.5M | 19.06% | 0.02% | 1.39% | 100.1% |
| Q1 2026 | 84 | $217.9M | 19.41% | 0.02% | 1.27% | 97.2% |
| Q4 2025 | 85 | $210.6M | 19.48% | 0.02% | 1.44% | 100.7% |
| Q3 2025 | 85 | $209.8M | 19.58% | 0.02% | 1.43% | 100.9% |
| Q2 2025 | 84 | $210.4M | 19.28% | 0.02% | 1.31% | 99.2% |
| Q1 2025 | 84 | $211.5M | 19.30% | 0.02% | 1.20% | 94.9% |
| Q4 2024 | 84 | $209.6M | 19.40% | 0.02% | 1.28% | 95.5% |
| Q3 2024 | 84 | $203.9M | 20.02% | 0.02% | 1.21% | 99.7% |
| Q2 2024 | 83 | $202.5M | 19.83% | 0.02% | 1.13% | 102.8% |
2,650 peers · $100 million – $1 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 Alabama
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Friend BankBank Slocomb, AL | 85 out of 100, Very strong | $221.0M | 13.5% | 0.48% | vs |
| Community Spirit BankBank Red Bay, AL | 77 out of 100, Strong | $228.8M | 9.7% | 0.00% | vs |
| Union State BankBank Pell City, AL | 50 out of 100, Below average | $212.5M | 9.6% | 2.00% | vs |
| The Citizens BankBank Enterprise, AL | 70 out of 100, Strong | $233.3M | 10.6% | 0.42% | vs |
| First Cahawba BankBank Selma, AL | 74 out of 100, Strong | $205.7M | 10.8% | 0.12% | vs |
| The First National Bank and TrustBank Atmore, AL | 74 out of 100, Strong | $238.6M | 11.5% | 0.10% | vs |
Deposit insurance
Is my money safe at BankSouth?
Yes. BankSouth is an FDIC-insured institution (FDIC certificate #77). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 43.5% of deposits ($77.5M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 19.06%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
2 locations
Branches
BankSouth lists 2 offices in 2 cities. Most locations:
- Abbeville, AL (1)
- Dothan, AL (1)
Identity & history
Profile
- Legal name
- BankSouth
- Former names
- Bank of Cottonwood; Bank of the South
- Type
- State-chartered bank
- FDIC certificate #
- 77
- RSSD ID
- 194936
- Primary regulator
- FDIC
- Holding company
- Bancsouth Corp
- Established
- January 1, 1928
- Headquarters
- 3251 Ross Clark Cir, Dothan, AL 36303
- Employees
- 24
Quick answers
BankSouth: common questions
Is BankSouth FDIC insured?
Yes. BankSouth is an FDIC-insured institution (FDIC certificate #77). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is BankSouth's TellerScore?
84 out of 100 (Strong), 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 #77 in the FDIC failed bank list.
How many branches does BankSouth have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Dothan
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Friend BankBank Slocomb, AL | 85 out of 100, Very strong | $221.0M | 13.5% | 0.48% | vs |
| Southern Energy Credit UnionCredit union Birmingham, AL | 84 out of 100, Strong | $3.6B | 14.6% | 0.23% | vs |
| Georgia Community BankBank Albany, GA | 78 out of 100, Strong | $375.0M | 13.7% | 1.25% | vs |
| The First National Bank of HartfordBank Hartford, AL | 75 out of 100, Strong | $173.0M | 12.9% | 1.19% | vs |
| Peoples Bank of GracevilleBank Graceville, FL | 75 out of 100, Strong | $115.8M | 10.3% | 0.34% | vs |
| Five Star Credit UnionCredit union Dothan, AL | 72 out of 100, Strong | $1.3B | 13.8% | 1.50% | vs |