Is Fnb South Safe?
Fnb South has a Bank Health Score of 95/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while liquidity is its weakest area (79/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 23.67% | 100/100 |
| Nonperforming Loan Ratio | 0.05% | 99/100 |
| Liquidity Ratio | 24.83% | 79/100 |
| Return on Assets | 3.28% | 100/100 |
| Total Assets | $0.6B | |
How does Fnb South compare?
With a Bank Health Score of 95/100, Fnb South sits 25.0 points above the national average of 70/100 for FDIC-insured banks. Within Georgia, where 123 FDIC-insured banks are headquartered, Fnb South ranks above the state average of 76/100 (Grade B).
The bank's Tier 1 capital ratio of 23.67% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.05% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Fnb South's Bank Health Score fell by 2.0 points to 95/100. Tier 1 capital weakened by 2.06 percentage points to 23.67%. Quarter-over-quarter, the score fell by 2.0 points.
Fnb South has a Bank Health Score of 95/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while liquidity is its weakest area (79/100).