FNB SOUTH

ALMA, GA · Supervised by FDIC

Est. 1950FDIC #17,011RSSD: FDIC-17011

Part ofFIRST BK SHARES OF THE S E INC→ View all charters

Satisfactory Down

Current rating · Exam: August 2023

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 2.64%

Institution Profile

FDIC BankFind

Website

www.fnbsouth.net

Address

423 W 12th St, ALMA, GA

County

Bacon County

Established

February 15, 1950

Total Assets

$716M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

August 1, 2023

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

Estimated next exam:Aug 2027(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$716M

Total Deposits

$596M

Net Loans

$464M

Net Income

$5M

ROA

2.64%

ROE

16.99%

Risk-Based Capital

24.12%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$577M

1-Year Change

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 2 exams

1 previous rating locked — dating back to 2020

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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