TellerScore

PrimeSouth Bank (FDIC certificate #5694) is based in Blackshear, Georgia. Its Q2 2026 call report shows $1.6B in total assets and $1.3B in deposits and 9 offices across 2 states.

Based on its Q2 2026 filing, PrimeSouth Bank scores 66/100, which we describe as moderate. That is higher than only 40% of 897 banks with $1 billion – $10 billion. Among 124 banks headquartered in Georgia, it ranks 96th. Its strongest component is earnings (97/100; 1.92%), and its lowest is funding & liquidity (33/100; 98% loans-to-deposits, 41% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion70/100
Tier 1 leverage ratio: 12.03%
Loan quality51/100
Noncurrent loans ÷ total loans: 1.48%
Earnings97/100
Return on assets (annualized): 1.92%
Funding & liquidity33/100
Loans ÷ deposits and uninsured-deposit share: 98.0% · 41.4% uninsured
Problem-loan coverage80/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 10.20%

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 9 points (75 → 66), mostly because the loan quality component weakened by 29 points.

TellerScore
667175Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202471
Q3 202470
Q4 202471
Q1 202574
Q2 202575
Q3 202575
Q4 202573
Q1 202670
Q2 202666
Tier 1 leverage ratio
5.00%8.51%12.03%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.71%
Q3 202410.69%
Q4 202410.84%
Q1 202511.31%
Q2 202511.57%
Q3 202511.77%
Q4 202511.71%
Q1 202611.95%
Q2 202612.03%
Noncurrent loans
0.35%0.92%1.48%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.35%
Q3 20240.43%
Q4 20240.51%
Q1 20250.54%
Q2 20250.59%
Q3 20250.64%
Q4 20250.74%
Q1 20261.12%
Q2 20261.48%
Return on assets
1.49%1.74%1.98%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.49%
Q3 20241.51%
Q4 20241.63%
Q1 20251.89%
Q2 20251.95%
Q3 20251.97%
Q4 20251.98%
Q1 20261.87%
Q2 20261.92%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202666$1.6B12.03%1.48%1.92%98.0%
Q1 202670$1.5B11.95%1.12%1.87%95.2%
Q4 202573$1.5B11.71%0.74%1.98%94.9%
Q3 202575$1.5B11.77%0.64%1.97%94.2%
Q2 202575$1.4B11.57%0.59%1.95%91.1%
Q1 202574$1.4B11.31%0.54%1.89%91.4%
Q4 202471$1.3B10.84%0.51%1.63%91.7%
Q3 202470$1.4B10.69%0.43%1.51%92.7%
Q2 202471$1.3B10.71%0.35%1.49%90.9%

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).

Capital ratio12.03%
77th
Total risk-based capital15.89%
75th
Problem loans1.48%
16th
Net charge-offs0.04%
50th
Return on assets1.92%
85th
Net interest margin4.65%
91st
Efficiency ratio45.8%
86th
Loans to deposits98.0%
19th
Uninsured deposits41.4%
23rd
Loan-loss reserves1.45%
83rd
Texas ratio10.2%
16th

Similar-size banks in Georgia

InstitutionScoreAssetsCapitalProblem loansCompare
BankSouthBank Greensboro, GA68 out of 100, Moderate$1.6B10.2%0.55%vs
PeoplesSouth BankBank Colquitt, GA69 out of 100, Moderate$1.2B10.4%1.02%vs
United BankBank Zebulon, GA89 out of 100, Very strong$2.2B12.8%0.23%vs
American Pride BankBank Macon, GA77 out of 100, Strong$1.0B14.1%0.00%vs
Thomasville National BankBank Thomasville, GA76 out of 100, Strong$2.2B10.7%0.22%vs
Queensborough National Bank & Trust CompanyBank Louisville, GA62 out of 100, Moderate$2.3B8.6%0.59%vs

Deposit insurance

Is my money safe at PrimeSouth Bank?

Yes. PrimeSouth Bank is an FDIC-insured institution (FDIC certificate #5694). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 41.4% of deposits ($549.9M) 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 12.03%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.89% (benchmark: 10%).

Check how much of your own balance is covered

9 locations

Branches

PrimeSouth Bank lists 9 offices in 7 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, PrimeSouth Bank reported 390 home-loan applications under HMDA (LEI 549300C4YZ9QY31U5912): 348 originated ($123,390,000 total), 22 denied, and 15 withdrawn or closed by the applicant. Its denial rate on decided applications was 5.9%, 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
PrimeSouth Bank
Former names
The Blackshear Bank
Type
State-chartered bank
FDIC certificate #
5694
RSSD ID
1011638
Primary regulator
FDIC
Holding company
Jones Bancshares L P
Established
January 1, 1891
Headquarters
3473 Us Highway 84, Blackshear, GA 31516
Employees
170

Quick answers

PrimeSouth Bank: common questions

Is PrimeSouth Bank FDIC insured?

Yes. PrimeSouth Bank is an FDIC-insured institution (FDIC certificate #5694). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is PrimeSouth Bank's TellerScore?

66 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 PrimeSouth Bank ever failed?

There is no failure record for FDIC certificate #5694 in the FDIC failed bank list.

How many branches does PrimeSouth Bank have?

9 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Blackshear

InstitutionScoreAssetsCapitalProblem loansCompare
Fnb SouthBank Alma, GA95 out of 100, Very strong$734.8M16.2%0.00%vs
Interstate Credit UnionCredit union Jesup, GA89 out of 100, Very strong$410.9M15.8%0.54%vs
Ware County School Employees Federal Credit UnionCredit union Waycross, GA86 out of 100, Very strong$6.3M14.1%0.00%vs
Southeastern BankBank Darien, GA86 out of 100, Very strong$624.9M13.4%0.38%vs
Altamaha Federal Credit UnionCredit union Jesup, GA83 out of 100, Strong$74.1M14.1%0.22%vs
Waycross Bank & TrustBank Waycross, GA79 out of 100, Strong$242.2M12.1%0.25%vs