TellerScore

Headquartered in Alma, Georgia, Fnb South is a state-chartered bank with $734.8M in total assets and $610.4M in deposits as of Q2 2026. It operates 4 offices. Its charter dates back to 1950.

Based on its Q2 2026 filing, Fnb South scores 95/100, which we describe as very strong. That is higher than 99% of 2,650 banks with $100 million – $1 billion. Among 124 banks headquartered in Georgia, it ranks 4th. Its strongest component is capital cushion (100/100; 16.24%), and its lowest is funding & liquidity (65/100; 79% loans-to-deposits, 30% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 16.24%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.00%
Earnings100/100
Return on assets (annualized): 2.64%
Funding & liquidity65/100
Loans ÷ deposits and uninsured-deposit share: 78.9% · 29.7% uninsured
Problem-loan coverage99/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.39%

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 (96 → 95).

TellerScore
949596Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202494
Q3 202494
Q4 202496
Q1 202596
Q2 202596
Q3 202595
Q4 202595
Q1 202695
Q2 202695
Tier 1 leverage ratio
5.00%10.97%16.95%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202416.95%
Q3 202416.92%
Q4 202414.90%
Q1 202515.13%
Q2 202515.62%
Q3 202515.79%
Q4 202515.26%
Q1 202615.96%
Q2 202616.24%
Noncurrent loans
0.00%0.05%0.10%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.05%
Q3 20240.10%
Q4 20240.01%
Q1 20250.00%
Q2 20250.00%
Q3 20250.06%
Q4 20250.00%
Q1 20260.00%
Q2 20260.00%
Return on assets
2.24%2.66%3.08%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20243.08%
Q3 20242.71%
Q4 20242.46%
Q1 20252.40%
Q2 20252.55%
Q3 20252.66%
Q4 20252.24%
Q1 20262.64%
Q2 20262.64%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202695$734.8M16.24%0.00%2.64%78.9%
Q1 202695$716.5M15.96%0.00%2.64%77.9%
Q4 202595$713.6M15.26%0.00%2.24%76.0%
Q3 202595$707.8M15.79%0.06%2.66%75.6%
Q2 202596$692.4M15.62%0.00%2.55%74.4%
Q1 202596$703.3M15.13%0.00%2.40%70.5%
Q4 202496$689.1M14.90%0.01%2.46%71.2%
Q3 202494$637.7M16.92%0.10%2.71%81.1%
Q2 202494$610.7M16.95%0.05%3.08%81.5%

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).

Capital ratio16.24%
91st
Total risk-based capital24.18%
93rd
Problem loans0.00%
87th
Net charge-offs-1.45%
100th
Return on assets2.64%
97th
Net interest margin5.38%
96th
Efficiency ratio46.1%
90th
Loans to deposits78.9%
52nd
Uninsured deposits29.7%
29th
Loan-loss reserves3.17%
99th
Texas ratio0.4%
79th

Similar-size banks in Georgia

InstitutionScoreAssetsCapitalProblem loansCompare
Oconee State BankBank Watkinsville, GA44 out of 100, Below average$744.1M10.0%2.83%vs
First National Community BankBank Chatsworth, GA84 out of 100, Strong$754.7M12.9%0.43%vs
Citizens Trust BankBank Atlanta, GA71 out of 100, Strong$790.3M13.2%1.63%vs
First State Bank of BlakelyBank Blakely, GA65 out of 100, Moderate$668.2M19.2%3.36%vs
PromiseOne BankBank Duluth, GA68 out of 100, Moderate$812.2M10.1%0.81%vs
Northeast Georgia BankBank Lavonia, GA93 out of 100, Very strong$650.6M13.4%0.01%vs

Deposit insurance

Is my money safe at Fnb South?

Yes. Fnb South is an FDIC-insured institution (FDIC certificate #17011). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 29.7% of deposits ($181.5M) 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 16.24%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 24.18% (benchmark: 10%).

Check how much of your own balance is covered

4 locations

Branches

Fnb South lists 4 offices in 4 cities. Most locations:

  • Alma, GA (1)
  • Baxley, GA (1)
  • Douglas, GA (1)
  • Folkston, GA (1)

All branch addresses and map

Identity & history

Profile

Legal name
Fnb South
Former names
First National Bank South; Citizens State Bank; The First National Bank of Alma
Type
State-chartered bank
FDIC certificate #
17011
RSSD ID
12030
Primary regulator
FDIC
Holding company
First Bk Shares of the S E Inc
Established
February 15, 1950
Headquarters
423 W 12th St, Alma, GA 31510
Employees
70

Quick answers

Fnb South: common questions

Is Fnb South FDIC insured?

Yes. Fnb South is an FDIC-insured institution (FDIC certificate #17011). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Fnb South's TellerScore?

95 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Fnb South ever failed?

There is no failure record for FDIC certificate #17011 in the FDIC failed bank list.

How many branches does Fnb South have?

4 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Alma

InstitutionScoreAssetsCapitalProblem loansCompare
Interstate Credit UnionCredit union Jesup, GA89 out of 100, Very strong$410.9M15.8%0.54%vs
Douglas National BankBank Douglas, GA78 out of 100, Strong$326.9M10.3%0.10%vs
Pineland BankBank Alma, GA75 out of 100, Strong$597.1M10.5%0.49%vs
Community Bank of GeorgiaBank Baxley, GA74 out of 100, Strong$269.5M11.0%1.05%vs
The Peoples BankBank Willacoochee, GA73 out of 100, Strong$109.3M12.4%0.89%vs
First National Bank of Coffee CountyBank Douglas, GA70 out of 100, Strong$547.5M8.8%0.24%vs