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OneSouth Bank

Our records indicate that this bank has been acquired by " FIVE STAR.


OneSouth Bank is an FDIC insured institution headquartered at 4070 Forsyth Rd, Macon, GA 31210.
It was founded in 1939 and has approximately $0 billion in assets. Customers can open an account at one of its 4 branches.

Deposit Rates - June 24, 2026

SAVINGS RATES APY MIN
Savings
0.10% $2,500 Compare
CD RATES APY MIN
6 Mo CD
0.15% $10,000 Compare
6 Mo CD
0.15% $100,000 Compare
12 Mo CD
0.60% $10,000 Compare
12 Mo CD
0.60% $100,000 Compare
18 Mo CD
0.65% $10,000 Compare
18 Mo CD
0.65% $100,000 Compare
24 Mo CD
0.65% $10,000 Compare
24 Mo CD
0.65% $100,000 Compare
36 Mo CD
0.65% $10,000 Compare
36 Mo CD
0.65% $100,000 Compare
48 Mo CD
0.65% $10,000 Compare
48 Mo CD
0.65% $100,000 Compare
60 Mo CD
0.65% $10,000 Compare
60 Mo CD
0.65% $100,000 Compare
MM RATES APY MIN
Money Market
0.20% $2,500 Compare
Money Market
0.20% $10,000 Compare
Money Market
0.20% $25,000 Compare
INT CHECKING RATES APY MIN
Int Ckg
0.15% $2,500




Overview 2026

General Bank Information

FDIC Insured Yes
FDIC Certificate # 15813
Date Established 1939
Assets $ 204.08 million
Loans $ 170.45 million
Deposits $ 174.18 million
Capital $ 22.80 million

Summary Balance Sheet as of December 31, 2025

ASSETS
Cash & Balances due from depository institutions $ 24.34 million
Interest-bearing balances $ 20.90 million
Total securities $ 0.15 million
Federal funds sold and reverse repurchase $ 0.70 million
Net loans and leases $ 170.45 million
Loan loss allowance $ 2.52 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.04 million
Goodwill and other intangibles $ 0.26 million
All other assets $ 4.85 million
     Total Assets $ 181.28 million

LIABILITIES
Total deposits $ 174.18 million
      Interest-bearing deposits $ 131.81 million
      Deposits held in domestic offices $ 174.18 million
      % insured (estimated)" 76.69%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 6.75 million
Subordinated debt N.A.
All other liabilities $ 0.29 millionn
      Total Liabilities $ 181.28 million
      Shareholders’ Equity $ 22.80 million

Summary Income Statement as of December 31, 2025

INCOME AND EXPENSES
Total Interest Income $ 3.10 million
Total Interest Expense $ 1.26 million
Net interest income $ 1.84 million
Provision for loan and lease losses $ 0.70 million
Total non interest income $ 0.14 million
Total non interest expense $ 1.66 million
Pre-tax Net Operating Income $ 0.32 million

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