6340 Lake Oconee Parkway
Greensboro, GA 30642


General Bank Information

FDIC Insured Yes
FDIC Certificate # 16418
Date Established 1946
Assets $0.52 billion
Loans $0.41 billion
Deposits $0.46 billion
Capital $0.05 billion

BankSouth is an FDIC insured institution located in Greensboro, GA. It was founded in 1946 and has approximately $0.52 billion in assets. Customers can open an account at one of its 7 branches.

For a more detailed analysis of BankSouth's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in BankSouth’s loan portfolio are 1-4 Family Residential Loans, Construction and Development Loans, and Commercial Real Estate.

Compared to other banks in Georgia, BankSouth has a significantly higher percent of 1-4 Family Residential Loans, Construction and Development Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 50.58
Credit Card Loans 0.00
Consumer Auto Loans 0.21
Small Business Loans 5.83
Construction and Development Loans 32.43
Commercial Real Estate 12.18
Commercial and Industrial Loans 2.64
Farm Loans 0.08

Deposit Rates

Your Current Location: Virginia, VA 20146

3 Mo CD 10K
0.15% $2,500 - Learn MoreShow Less
6 Mo CD 10K
0.20% $2,500 - Learn MoreShow Less
Savings Rates APY MIN MAX
Fixed IRA 0K
0.40% $500 - Learn MoreShow Less
MM 10K
0.15% $2,500 $49,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.10% $1,500 - Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for BankSouth

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2017

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2229
License#: MC-5591
4.078% 4.000% 0.38 $2,345 $1,194 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2017

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.240% $217.33 Learn More

Note to BankSouth
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BankSouth branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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BankSouth Locations

Financial Details

BankSouth Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of BankSouth. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
BankSouth U.S. Bank Average
4.19% 8.45

The Texas Ratio compares the amount of loans at risk and the amount of owned real estate with the amount a bank has on hand to cover any losses. As of June 30, 2017, BankSouth had $1,918,000 in non-current loans and $561,000 in owned real estate. To cover these potential losses it had $53,265,000 in equity and $5,929,000 in loans loss reserves. That gives it a Texas Ratio of 4.19%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a bank has to absorb its loan losses.

Return on Equity
BankSouth U.S. Bank Average
18.45% 8.58

BankSouth has a Return on Equity of 18.45% versus the BestCashCow average of 8.58. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

BankSouth U.S. Bank Average
10.24% 12.11

BankSouth has a Capitalization of 10.24% versus the BestCashCow average of 12.11. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

BankSouth Balance Sheet Analysis

As of June 30, 2017, BankSouth had assets of $519,970,000, loans of $409,301,000, and deposits of $455,388,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Frequently Asked Questions About BankSouth

Branches and Savings

Is BankSouth FDIC insured?

Yes. It is covered under FDIC Certificate #16418.

Why does BankSouth pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are BankSouth CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is BankSouth a commercial bank?


Where are BankSouth locations?

See branch locations nearby.

Is BankSouth open on Saturdays?

Is BankSouth open on Sundays?

What time does BankSouth open?

What time does BankSouth close?

Are BankSouth ATMs Open 24/7?

Do BankSouth ATMs accept cash deposits?

Can BankSouth customers use other ATMs?

Do BankSouth branches have notaries?

Will BankSouth notarize my document?

What address for BankSouth should I put for incoming ACH transfers?

Will the BankSouth branch print checks?

Do BankSouth checks expire?

Does BankSouth require US citizenship to open account?

Can BankSouth close my account?

Does BankSouth Report to credit bureaus?

Does BankSouth Use Equifax?

What is BankSouth's ACH Routing Number?

What is BankSouth's SWIFT code?


Does BankSouth offer mortgages?

Compare mortgage rates here.

Does BankSouth offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does BankSouth offer personal loans?

Compare personal loan rates here.

Does BankSouth offer student loans?

Will BankSouth cash a check?

Will BankSouth redeem a savings bond?

Does BankSouth cash savings bonds?

Will BankSouth cash money orders?

Can BankSouth issue a money order?

Does BankSouth do currency exchange?

Background on The Bank

Who owns BankSouth?

How long has BankSouth been around?

Can BankSouth transfer to other banks?

Does BankSouth have quick pay?

Does BankSouth accept rolled coins?

Will BankSouth accept loose change?

Where is BankSouth headquarters?

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