3251 Ross Clark Circle
Dothan, AL 36303

Notable Rates APY Vs.Others
Savings N.A. 2.20% →
1-Year CD N.A. 2.20% →
2-Year CD N.A. 2.20% →
5-Year CD N.A. 2.60% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2020 Overview

General Bank Information

BankSouth is an FDIC insured institution located in Dothan, AL. It was founded in 1928 and has approximately $0.18 billion in assets. Customers can open an account at one of its 2 branches.

FDIC Insured Yes
FDIC Certificate # 77
Date Established 1928
Assets $0.18 billion
Loans $0.13 billion
Deposits $0.14 billion
Capital $0.04 billion

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

Deposit Rates - February 28, 2020

Your Current Location: Washington, WA 98109

There are currently no rates available for Banksouth, but see these great savings and CD rates:

Advertiser Disclosure

Loan Rates - February 28, 2020

Your Current Location: Washington, WA 98109

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 - Washington 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
Rocket Mortgage
NMLS ID: 3030
4.793% 4.750% 0.00 $1,250 $1,305 Learn More
NMLS ID: 2890
License#: 520-CL-25944
3.156% 3.125% 0.38 $978 $1,071 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.919% 4.875% 0.00 $1,250 $1,324 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Bethpage Federal Credit Union
Bethpage Federal Credit Union
Intro APR
3.990 %
After Intro: 5.000 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$0 Learn More
More Info

Note to BankSouth
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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
0% 6.70%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of September 30, 2019, BankSouth had $0 in non-current loans and $0 in owned real estate. To cover these potential losses it had $36,873,000 in equity and $2,816,000 in loans loss reserves. That gives it a Texas Ratio of 0%.

Return on Equity
BankSouth U.S. Bank Average
5.98% 9.72%

BankSouth has a Return on Equity of 5.98% versus the BestCashCow average of 9.72%. 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
20.24% 12.89%

BankSouth has a Capitalization of 20.24% versus the BestCashCow average of 12.89. 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 September 30, 2019, BankSouth had assets of $182,181,000, loans of $130,031,000, and deposits of $144,502,000. 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.

Summary Balance Sheet

September 30, 2019
Cash & Balances due from depository institutions $0.01 billion
Interest-bearing balances $0.01 billion
Total securities $0.04 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.13 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.00 billion
     Total Assets $0.15 billion
Total deposits $0.14 billion
      Interest-bearing deposits $0.13 billion
      Deposits held in domestic offices $0.14 billion
      % insured (estimated) 65.05%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.15 billion
      Shareholders’ Equity $0.04 billion

Summary Income Statement

September 30, 2019
Total Interest Income $0.01 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Bank Loan Profile?

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

Compared to other banks in Alabama, BankSouth has a significantly higher percent of 1-4 Family Residential 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 56.23
Credit Card Loans 0.00
Consumer Auto Loans 0.69
Small Business Loans 0.00
Construction and Development Loans 4.16
Commercial Real Estate 25.46
Commercial and Industrial Loans 13.43
Farm Loans 0.02

Frequently Asked Questions About Banksouth

Branches and Savings

Is Banksouth FDIC insured?

Yes. It is covered under FDIC Certificate #77.

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?

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Are Banksouth ATMs Open 24/7?

Do Banksouth ATMs accept cash deposits?

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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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