423 West 12th Street
Alma, GA 31510
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Notable Rates APY Vs.Others
Savings 0.25% 0.85% →
1-Year CD 0.76% 0.80% →
2-Year CD 1.01% 0.80% →
5-Year CD 1.26% 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

FNB SOUTH is an FDIC insured institution located in Alma, GA. It was founded in 1950 and has approximately $0.47 billion in assets. Customers can open an account at one of its 4 branches.

FDIC Insured Yes
FDIC Certificate # 17011
Date Established 1950
Assets $ 469.70 million
Loans $ 318.68 million
Deposits $ 395.62 million
Capital $ 71.08 million

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

Deposit Rates - September 23, 2021

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
0.25% $2,500 $4,999 Learn More
6 Mo CD
0.76% $10,000 $14,999 Learn More
6 Mo CD
0.76% $100,000 $199,999 Learn More
12 Mo CD
0.76% $10,000 $14,999 Learn More
12 Mo CD
0.76% $100,000 $199,999 Learn More
24 Mo CD
1.01% $10,000 $14,999 Learn More
24 Mo CD
1.01% $100,000 $199,999 Learn More
36 Mo CD
1.26% $10,000 $14,999 Learn More
36 Mo CD
1.26% $100,000 $199,999 Learn More
48 Mo CD
1.26% $10,000 $14,999 Learn More
48 Mo CD
1.26% $100,000 $199,999 Learn More
60 Mo CD
1.26% $10,000 $14,999 Learn More
60 Mo CD
1.26% $100,000 $199,999 Learn More

Int Checking Rates APY MIN MAX
Int Ckg
0.26% $1 $99 Learn MoreShow Less
Int Ckg
0.26% $2,500 $3,499 Learn MoreShow Less

Loan Rates - September 23, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for FNB SOUTH

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

Featured - Connecticut 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Monthly
Learn More
NMLS ID: 1907
2.808% 2.750%
-0.25 points
$1,875 fees
$1,021 Learn More
Morty, Inc.
NMLS ID: 1429243
2.654% 2.625%
0.38 points
$960 fees
$1,005 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR 2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
BMO Harris Bank
BMO Harris Bank
See Table
Intro APR 1.790 %
After Intro: 4.840 %
Intro Period: 6 months
$0 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

To upload and update your bank's rates please register. It is free to register and add rates.


FNB SOUTH 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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FNB SOUTH Locations

Financial Details

FNB SOUTH Ratio Analysis

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

Texas Ratio
FNB SOUTH U.S. Bank Average
6.55% 5.29%

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 March 31, 2021, FNB SOUTH had $3,631,000 in non-current loans and $1,772,000 in owned real estate. To cover these potential losses it had $71,078,000 in equity and $11,468,000 in loans loss reserves. That gives it a Texas Ratio of 6.55%.

Return on Equity
FNB SOUTH U.S. Bank Average
20.93% 11.43%

FNB SOUTH has a Return on Equity of 20.93% versus the BestCashCow average of 11.43%. 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.

FNB SOUTH U.S. Bank Average
15.13% 11.51%

FNB SOUTH has a Capitalization of 15.13% versus the BestCashCow average of 11.51. 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.

FNB SOUTH Balance Sheet Analysis

As of March 31, 2021, FNB SOUTH had assets of $469,700,000, loans of $318,680,000, and deposits of $395,623,000. 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

March 31, 2021
Cash & Balances due from depository institutions $ 86.63 million
Interest-bearing balances $ 40.46 million
Total securities $ 32.31 million
Federal funds sold and reverse repurchase $ 9.98 million
Net loans and leases $ 318.68 million
Loan loss allowance $ 11.47 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 1.77 million
Goodwill and other intangibles N.A.
All other assets $ 16.88 million
     Total Assets $ 398.62 million
Total deposits $ 395.62 million
      Interest-bearing deposits $ 259.42 million
      Deposits held in domestic offices $ 395.62 million
      % insured (estimated) 69.98%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 3.00 million
      Total Liabilities $ 398.62 million
      Shareholders’ Equity $ 71.08 million

Summary Income Statement

March 31, 2021
Total Interest Income $ 5.13 million
Total Interest Expense $ 0.37 million
Net interest income $ 4.76 million
Provision for loan and lease losses N.A.
Total non interest income $ 1.58 million
Total non interest expense $ 2.41 million
Pre-tax Net Operating Income $ 3.93 million

Bank Loan Profile?

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

Compared to other banks, FNB SOUTH’s loan portfolio does not show any specific loan specialty.

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 21.44
Credit Card Loans 0.15
Consumer Auto Loans 3.75
Small Business Loans 0.00
Construction and Development Loans 3.77
Commercial Real Estate 35.95
Commercial and Industrial Loans 15.29
Farm Loans 1.03

Frequently Asked Questions About Fnb South

Branches and Savings

Is Fnb South FDIC insured?

Yes. It is covered under FDIC Certificate #17011.

Why does Fnb South pay such low interest on savings accounts?

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

Why are Fnb South CD rates not competitive?

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

Is Fnb South a commercial bank?


Where are Fnb South locations?

See branch locations nearby.

Is Fnb South open on Saturdays?

Is Fnb South open on Sundays?

What time does Fnb South open?

What time does Fnb South close?

Are Fnb South ATMs Open 24/7?

Do Fnb South ATMs accept cash deposits?

Can Fnb South customers use other ATMs?

Do Fnb South branches have notaries?

Will Fnb South notarize my document?

What address for Fnb South should I put for incoming ACH transfers?

Will the Fnb South branch print checks?

Do Fnb South checks expire?

Does Fnb South require US citizenship to open account?

Can Fnb South close my account?

Does Fnb South Report to credit bureaus?

Does Fnb South Use Equifax?

What is Fnb South's ACH Routing Number?

What is Fnb South's SWIFT code?


Does Fnb South offer mortgages?

Compare mortgage rates here.

Does Fnb South offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Fnb South offer personal loans?

Compare personal loan rates here.

Does Fnb South offer student loans?

Will Fnb South cash a check?

Will Fnb South redeem a savings bond?

Does Fnb South cash savings bonds?

Will Fnb South cash money orders?

Can Fnb South issue a money order?

Does Fnb South do currency exchange?

Background on The Bank

Who owns Fnb South?

How long has Fnb South been around?

Can Fnb South transfer to other banks?

Does Fnb South have quick pay?

Does Fnb South accept rolled coins?

Will Fnb South accept loose change?

Where is Fnb South headquarters?

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