FNB SOUTH
Alma, GA
IDRSSD: 12030
Total Assets
$707.83M
Latest filing
Total Deposits
$588.33M
Latest filing
Net Interest Margin
5.62%
Profitability
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 11/14/2025Established 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 | 74 |
| 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 | 11/14/2025 |
| CERT | 17011 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $707.83M |
| Total Deposits | $588.33M |
| Total Liabilities | $595.82M |
| Total Equity Capital | $112.01M |
| Net Income | $5.06M |
| Net Loans and Leases | $444.62M |
| Assets Per Employee ($Millions) | $9.83M |
| Bank Premises and Fixed Assets | $4.28M |
| Cash and Balances due from Depository Institutions | $38.21M |
| Deposits Held in Domestic Offices | $588.33M |
Key Performance Ratios
| Return on Assets (ROA) | 2.89% |
| Return on Equity (ROE) | 18.36% |
| Net Interest Margin | 5.62% |
| Efficiency Ratio | 44.5% |
| Tier 1 Risk-Based Capital Ratio | 22.94% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 15.824% |
| Earning Assets to total Assets | 89.37% |
Income and Expense
| Total Interest Income | $11.79M |
| Total Noninterest Income | $943.00k |
| Total Interest Expense | $3.08M |
| Total Noninterest Expense | $4.30M |
| Net Interest Income | $8.71M |
| Pre-tax Net Operating Income | $5.36M |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $680.00k |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $7.17M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $7.50M |
| Total Liabilities and Capital | $707.83M |
Securities
| Securities | $156.21M |
| Available-for-sale debt securities | $156.13M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $76.00k |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of FNB SOUTH?
$707.83M as of the latest filing.
How much are FNB SOUTH's total deposits?
$588.33M in total deposits.
Where is FNB SOUTH located?
Alma, GA.
What is the Net Interest Margin?
5.62%.
How many domestic offices does it operate?
4.
When was it established?
02/15/1950.
What is the Return on Assets (ROA)?
2.89%.
How much are total loans and leases?
$444.62M (latest filing).
What is the total interest income (latest filing)?
$11.79M.