BankSouth: how it compares with its peers
Against 45 AL banks with half to twice its assets, BankSouth's strongest measure in Q2 2026 is assets per employee ($9.2M vs. a $5.5M peer median). Its weakest relative measure is net interest margin (3.88% vs. 3.92%).
| Measure | BankSouth | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.39% | 1.08% | Top third Ahead of 80% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.88% | 3.92% | Middle third Ahead of 47% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 60.49% | 66.72% | Top third Ahead of 73% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.2M | $5.5M | Top third Ahead of 91% of peers |
| Loans to deposits Net loans and leases over total deposits. | 100.09% | 62.89% | Context |
What it means for lending operations
Its efficiency ratio of 60.49% is better than the 66.72% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Friend Bank Slocomb, AL · $221M
- Community Spirit Bank Red Bay, AL · $229M
- Union State Bank Pell City, AL · $212M
- The Citizens Bank Enterprise, AL · $233M
- First Cahawba Bank Selma, AL · $206M
- The First National Bank and Trust Atmore, AL · $239M
Questions about BankSouth
How big is BankSouth?
BankSouth, established in 1928, is headquartered in Dothan, AL. It reported $221M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is BankSouth's return on assets?
1.39% annualized in Q2 2026, against a 1.08% median for 45 AL banks with half to twice its assets, ahead of 80% of them.
What is BankSouth's efficiency ratio?
60.49% in Q2 2026: it spent about 60 cents in noninterest expense for each dollar of revenue. The peer median is 66.72%, and lower is better.
Is BankSouth growing its loans?
Net loans grew 6.6% over the year to Q2 2026, while deposits grew 5.7%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are AL banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Alabama bank ranked.