OneSouth Bank

12347 Columbia Street
Blakely, GA 39823

Notable Rates APY Vs.Others
Savings 0.40% 2.60% →
1-Year CD 1.76% 2.30% →
2-Year CD 1.96% 2.50% →
5-Year CD 2.02% 2.80% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2019 Overview

General Bank Information

OneSouth Bank is an FDIC insured institution located in Blakely, GA. It was founded in 1939 and has approximately $0.14 billion in assets. Customers can open an account at one of its 4 branches.

FDIC Insured Yes
FDIC Certificate # 15813
Date Established 1939
Assets $0.14 billion
Loans $0.11 billion
Deposits $0.12 billion
Capital $0.01 billion
 

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

Deposit Rates - November 15, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.55% $2,500 - Learn MoreShow Less
CD Rates APY MIN MAX
3 Mo CD
1.01% $100 - Learn MoreShow Less
1.01% $100 $99,999 Learn MoreShow Less
6 Mo CD
1.26% $100 - Learn MoreShow Less
1.26% $100 $99,999 Learn MoreShow Less
1.76% $100 $99,999 Learn MoreShow Less
12 Mo CD
1.76% $100 - Learn MoreShow Less
1.81% $100 $99,999 Learn MoreShow Less
18 Mo CD
1.81% $100 - Learn MoreShow Less
1.96% $100 $99,999 Learn MoreShow Less
24 Mo CD
1.96% $100 - Learn MoreShow Less
2.02% $100 $99,999 Learn MoreShow Less
36 Mo CD
2.02% $100 - Learn MoreShow Less
2.02% $100 $99,999 Learn MoreShow Less
48 Mo CD
2.02% $100 - Learn MoreShow Less
2.02% $100 $99,999 Learn MoreShow Less
60 Mo CD
2.02% $100 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
1.76% $100 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.50% $1,000 - Learn MoreShow Less

Loan Rates - November 15, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for OneSouth Bank

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 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.990% 4.990% 0.00 $0 $1,341 Learn More
AimLoan.com
NMLS ID: 2890
License#: MC-3098
3.535% 3.500% 0.50 $1,102 $1,123 Learn More
Rocket Mortgage
NMLS ID: 3030
4.875% 4.875% 0.00 $0 $1,324 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$0 Learn More
More Info

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

Branches

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

Your Location:
Ashburn,Virginia


OneSouth Bank Locations


Financial Details

OneSouth Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of OneSouth Bank. 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
OneSouth Bank U.S. Bank Average
14.96% 6.77%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s 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 June 30, 2019, OneSouth Bank had $2,369,000 in non-current loans and $103,000 in owned real estate. To cover these potential losses it had $14,990,000 in equity and $1,530,000 in loans loss reserves. That gives it a Texas Ratio of 14.96%.

Return on Equity
OneSouth Bank U.S. Bank Average
6.78% 9.50%

OneSouth Bank has a Return on Equity of 6.78% versus the BestCashCow average of 9.50%. 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.

Capitalization
OneSouth Bank U.S. Bank Average
10.49% 12.76%

OneSouth Bank has a Capitalization of 10.49% versus the BestCashCow average of 12.76. 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.

OneSouth Bank Balance Sheet Analysis

As of June 30, 2019, OneSouth Bank had assets of $142,893,000, loans of $106,079,000, and deposits of $123,348,000. 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

June 30, 2019
ASSETS
Cash & Balances due from depository institutions $0.02 billion
Interest-bearing balances $0.02 billion
Total securities $0.00 billion
Federal funds sold and reverse repurchase $0.01 billion
Net loans and leases $0.11 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 $0.13 billion
LIABILITIES
Total deposits $0.12 billion
      Interest-bearing deposits $0.09 billion
      Deposits held in domestic offices $0.12 billion
      % insured (estimated) 84.42%
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 $0.13 billion
      Shareholders’ Equity $0.01 billion

Summary Income Statement

June 30, 2019
INCOME AND EXPENSES
Total Interest Income $0.00 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 OneSouth Bank’s loan portfolio are Farm Loans, 1-4 Family Residential Loans, and Commercial Real Estate.

Compared to other banks in Georgia, OneSouth Bank has a significantly higher percent of Multifamily Mortgages, Farm 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.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 20.87
Multifamily
Mortgages
6.02
Credit Card Loans 0.00
Consumer Auto Loans 0.46
Small Business Loans 8.14
Construction and Development Loans 10.18
Commercial Real Estate 17.45
Commercial and Industrial Loans 7.30
Farm Loans 21.45

Frequently Asked Questions About Onesouth Bank

Branches and Savings

Is Onesouth Bank FDIC insured?

Yes. It is covered under FDIC Certificate #15813.

Why does Onesouth Bank pay such low interest on savings accounts?

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

Why are Onesouth Bank CD rates not competitive?

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

Is Onesouth Bank a commercial bank?

Yes

Where are Onesouth Bank locations?

See branch locations nearby.

Is Onesouth Bank open on Saturdays?

Is Onesouth Bank open on Sundays?

What time does Onesouth Bank open?

What time does Onesouth Bank close?

Are Onesouth Bank ATMs Open 24/7?

Do Onesouth Bank ATMs accept cash deposits?

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Do Onesouth Bank branches have notaries?

Will Onesouth Bank notarize my document?

What address for Onesouth Bank should I put for incoming ACH transfers?

Will the Onesouth Bank branch print checks?

Do Onesouth Bank checks expire?

Does Onesouth Bank require US citizenship to open account?

Can Onesouth Bank close my account?

Does Onesouth Bank Report to credit bureaus?

Does Onesouth Bank Use Equifax?

What is Onesouth Bank's ACH Routing Number?

What is Onesouth Bank's SWIFT code?

Products

Does Onesouth Bank offer mortgages?

Compare mortgage rates here.

Does Onesouth Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Onesouth Bank offer personal loans?

Compare personal loan rates here.

Does Onesouth Bank offer student loans?

Will Onesouth Bank cash a check?

Will Onesouth Bank redeem a savings bond?

Does Onesouth Bank cash savings bonds?

Will Onesouth Bank cash money orders?

Can Onesouth Bank issue a money order?

Does Onesouth Bank do currency exchange?

Background on The Bank

Who owns Onesouth Bank?

How long has Onesouth Bank been around?

Can Onesouth Bank transfer to other banks?

Does Onesouth Bank have quick pay?

Does Onesouth Bank accept rolled coins?

Will Onesouth Bank accept loose change?

Where is Onesouth Bank headquarters?

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