Bank · FDIC insured
FNB South
A $734.8M bank headquartered in Alma, GA, with 4 branches in Georgia.
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About FNB South
- Headquarters
- 423 W 12th St, Alma, GA 31510
- FDIC certificate
- 17011 ↗
Branches
4 branches in Georgia
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Georgia
4 branches
Alma area · 1
- Fnb SouthMain office423 W 12th St, Alma, GA 31510Directions
Baxley area · 1
- Baxley Branch198 W Parker St, Baxley, GA 31513Directions
Douglas area · 1
- Fnb South Branch620 Peterson Ave S, Douglas, GA 31533Directions
Folkston area · 1
- Folkston Branch4322 Second St N, Folkston, GA 31537Directions
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 | 16.24% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.00% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 2.64% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $81 | $81 | — |
- CapitalLeverage ratio16.24%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.00%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets2.64%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$81Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 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 FNB South are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.