Banksouth (FDIC #16418): Bank Stress & Real-Estate Credit Exposure
Banksouth (FDIC Cert #16418): bank stress 58/100, moderate, STABLE over 7 days; parent BANKSOUTH HOLDING CO.
Banksouth (#16418) lends in 8 counties across 1 state; Banksouth (#16418) reaches 101 ZIP codes: Georgia 8 counties, 101 ZIPs.
Banksouth (#16418) largest markets: Fulton County, GA (48 branches, 48 ZIPs) (#16418), Laurens County, GA (30 branches, 15 ZIPs) (#16418), Chatham County, GA (15 branches, 15 ZIPs) (#16418), Oconee County, GA (8 branches, 8 ZIPs) (#16418), Greene County, GA (14 branches, 7 ZIPs) (#16418), Bleckley County, GA (6 branches, 6 ZIPs) (#16418).
Banksouth (#16418) reports $1.59 billion in total assets; Banksouth (#16418) equity $165.2 million (10.4% of Banksouth (#16418) assets); Banksouth (#16418) domestic deposits $1.36 billion; Banksouth (#16418) net income $12.5 million; Banksouth (#16418) return on assets 1.57%; Banksouth (#16418) return on equity 15.64%; Banksouth (#16418) net interest income $34.6 million; Banksouth (#16418) call report June 30, 2026.
Banksouth (#16418) noncurrent real-estate loans: none reported; Banksouth (#16418) net charge-offs on real estate 0.50%; Banksouth (#16418) residential charge-offs 0.13%.
Banksouth (#16418) net interest margin 4.63% against an eight-quarter Banksouth (#16418) average of 4.36% (Banksouth (#16418) compression -0.27 points); Banksouth (#16418) non-residential real estate 13.0% of equity; Banksouth (#16418) rate-exposure score 40/100, Banksouth (#16418) fixed-rate trap 40/100; Banksouth (#16418) risk type credit driven; Banksouth (#16418) rate regime rates elevated, Banksouth (#16418) snapshot October 20, 2026.
Banksouth (#16418) stress score moved from 60.3 on June 22, 2026 to 57.7 on October 20, 2026; Banksouth (#16418) ranged 57.7 to 60.3 over 117 snapshots.
Banksouth (#16418) alerts: 8 counties; top Banksouth (#16418) alert scores: Atlanta County, GA 19 (low); Cochran County, GA 19 (low); Dublin County, GA 19 (low); Ellabell County, GA 19 (low); Greensboro County, GA 19 (low).