Fnb South (FDIC #17011): Bank Stress & Real-Estate Credit Exposure

Fnb South (FDIC Cert #17011): bank stress 19/100, contained, STABLE over 7 days; parent FIRST BK SHARES OF THE S E INC.

Fnb South (#17011) lends in 4 counties across 1 state; Fnb South (#17011) reaches 23 ZIP codes: Georgia 4 counties, 23 ZIPs.

Fnb South (#17011) largest markets: Coffee County, GA (10 branches, 10 ZIPs) (#17011), Appling County, GA (7 branches, 7 ZIPs) (#17011), Charlton County, GA (4 branches, 4 ZIPs) (#17011), Bacon County, GA (3 branches, 3 ZIPs) (#17011).

Fnb South (#17011) reports $734.8 million in total assets; Fnb South (#17011) equity $116.5 million (15.9% of Fnb South (#17011) assets); Fnb South (#17011) domestic deposits $610.4 million; Fnb South (#17011) net income $9.5 million; Fnb South (#17011) return on assets 2.64%; Fnb South (#17011) return on equity 16.86%; Fnb South (#17011) net interest income $17.4 million; Fnb South (#17011) call report June 30, 2026.

Fnb South (#17011) noncurrent real-estate loans: none reported; Fnb South (#17011) residential -2.52%; Fnb South (#17011) net charge-offs on real estate 0.00%.

Fnb South (#17011) net interest margin 5.38% against an eight-quarter Fnb South (#17011) average of 5.21% (Fnb South (#17011) compression -0.17 points); Fnb South (#17011) rate-exposure score 40/100, Fnb South (#17011) fixed-rate trap 40/100; Fnb South (#17011) risk type rate trapped; Fnb South (#17011) rate regime rates elevated, Fnb South (#17011) snapshot October 19, 2026.

Fnb South (#17011) stress score moved from 18.1 on June 22, 2026 to 18.7 on October 19, 2026; Fnb South (#17011) ranged 18.1 to 18.7 over 116 snapshots.

Fnb South (#17011) alerts: 4 counties; top Fnb South (#17011) alert scores: Douglas County, GA 20 (low); Alma County, GA 11 (low); Baxley County, GA 11 (low); Folkston County, GA 11 (low).