Bank · FDIC insured
BankSouth
A $1.6B bank headquartered in Greensboro, GA, with 10 branches in Georgia.
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About BankSouth
BankSouth formed through the combination of Bank of Union Point, founded in 1911, and The Citizens Bank, founded in 1946, and remains locally owned and managed.
Operating as Citizens Union until taking the BankSouth name in 2004, the bank acquired LoanSouth Mortgage in 2011, rebranding it as BankSouth Mortgage.
The federal savings bank serves Georgia communities including Greensboro and Lake Oconee, Atlanta, Savannah, and Watkinsville-Athens.
- Headquarters
- 6340 Lake Oconee Pkwy, Greensboro, GA 30642
- FDIC certificate
- 16418 ↗
Branches
10 branches in Georgia
Loading map…
Georgia
10 branches
Dublin area · 3
- Dexter Branch109 E Main St, Dexter, GA 31019Directions
- Dublin Branch2040 Veterans Blvd, Dublin, GA 31021Directions
- Wrightsville Branch2498 W Elm St, Wrightsville, GA 31096Directions
Greensboro area · 2
- BankSouthMain office6340 Lake Oconee Pkwy, Greensboro, GA 30642Directions
- Greensboro Branch200 N East St, Greensboro, GA 30642Directions
Savannah area · 2
- Hyundai Metaplant Branch1500 Genesis Dr, Ellabell, GA 31308Directions
- Savannah Office Branch18 W Bryan St, Savannah, GA 31401Directions
Atlanta area · 1
- Forum Branch3290 Northside Pkwy Nw, Atlanta, GA 30327Directions
Cochran area · 1
- State Bank Of Cochran Branch112 E Beech St, Cochran, GA 31014Directions
Athens area · 1
- Watkinsville Branch7911 Macon Hwy, Watkinsville, GA 30677Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 10.17% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 0.55% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 1.57% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $91 | $88 | — |
- CapitalLeverage ratio10.17%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent0.55%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets1.57%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$91Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of BankSouth are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.