FNB SOUTH
Alma, GA
IDRSSD: 12030
Total Assets
$713.58M
Latest filing
Total Deposits
$596.55M
Latest filing
Net Interest Margin
5.28%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
FNB SOUTH
423 W 12th St
Alma, GA 31510
Full Service - Brick and Mortar
Updated 01/30/2026Established 02/15/1950FDIC Certificate 11082
Branches (3)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| FNB SOUTH (Main) | 423 W 12th St | Alma, GA |
| BAXLEY BRANCH | 198 W Parker St | Baxley, GA |
| FNB SOUTH BRANCH | 620 Peterson Ave S | Douglas, GA |
| FOLKSTON BRANCH | 4322 Second St N | Folkston, GA |
Showing 3 of 3
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 02/15/1950 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 31510 |
| State and County Number | 13005 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 06 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 72 |
| Domestic Offices | 4 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 05/01/1951 |
| Primary Insurance Agency | DIF |
| Website | www.fnbsouth.net |
| Data Updated | 01/30/2026 |
| CERT | 17011 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $713.58M |
| Total Deposits | $596.55M |
| Total Liabilities | $604.70M |
| Total Equity Capital | $108.88M |
| Net Income | $1.80M |
| Net Loans and Leases | $453.49M |
| Assets Per Employee ($Millions) | $9.91M |
| Bank Premises and Fixed Assets | $4.32M |
| Cash and Balances due from Depository Institutions | $60.45M |
| Deposits Held in Domestic Offices | $596.55M |
Key Performance Ratios
| Return on Assets (ROA) | 1.01% |
| Return on Equity (ROE) | 6.51% |
| Net Interest Margin | 5.28% |
| Efficiency Ratio | 48.17% |
| Tier 1 Risk-Based Capital Ratio | 22.383% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 1.69% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 15.258% |
| Earning Assets to total Assets | 90.02% |
Income and Expense
| Total Interest Income | $11.42M |
| Total Noninterest Income | $1.10M |
| Total Interest Expense | $3.00M |
| Total Noninterest Expense | $4.59M |
| Net Interest Income | $8.42M |
| Pre-tax Net Operating Income | $1.93M |
| Provision for Credit Losses | $3.00M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $560.00k |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $4.30M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $8.16M |
| Total Liabilities and Capital | $713.58M |
Securities
| Securities | $135.88M |
| Available-for-sale debt securities | $135.80M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $75.00k |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of FNB SOUTH?
$713.58M as of the latest filing.
How much are FNB SOUTH's total deposits?
$596.55M in total deposits.
Where is FNB SOUTH located?
Alma, GA.
What is the Net Interest Margin?
5.28%.
How many domestic offices does it operate?
4.
When was it established?
02/15/1950.
What is the Return on Assets (ROA)?
1.01%.
How much are total loans and leases?
$453.49M (latest filing).
What is the total interest income (latest filing)?
$11.42M.