| Metric | First Southern Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.1% | +4.4% | -8.5 pts |
| Deposit growth (YoY) | -10.1% | +4.0% | -14.1 pts |
| Loan growth (YoY) | +0.1% | +5.6% | -5.4 pts |
| ROA | 1.89% | 1.24% | +0.6 pts |
| ROE | 18.8% | 11.9% | +6.9 pts |
ROA ranks in the 84th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $317.3M | $271.4M | $147.1M | $31.4M | $2.9M | 1.89% | 4.70% | 0.05% |
| Q1 2026 | $309.0M | $264.2M | $151.1M | $30.6M | $1.4M | 1.90% | 4.70% | 0.04% |
| Q4 2025 | $294.8M | $249.8M | $154.3M | $30.6M | $5.3M | 1.83% | 4.60% | 0.06% |
| Q3 2025 | $284.8M | $240.5M | $150.0M | $29.8M | $4.0M | 1.83% | 4.57% | 0.39% |
| Q2 2025 | $330.9M | $302.0M | $146.8M | $28.0M | $2.5M | 1.68% | 4.45% | 0.35% |
| Q1 2025 | $278.4M | $250.8M | $145.2M | $26.9M | $1.2M | 1.71% | 4.62% | 0.48% |
| Q4 2024 | $269.9M | $243.5M | $147.7M | $25.5M | $4.6M | 1.79% | 4.77% | 0.48% |
| Q3 2024 | $255.3M | $227.9M | $144.9M | $26.6M | $3.3M | 1.72% | 4.83% | 0.53% |
Loan mix (Q2 2026): real estate $123.5M · commercial $12.9M · consumer $12.7M · securities $104.6M
| Ratio | First Southern Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.89% | 1.24% | 84th | |
Return on equity Annualized net income ÷ equity or net worth | 18.8% | 11.9% | 84th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.70% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.6% | 62.9% | 46th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | First Southern Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | First Southern Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | First Southern Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | First Southern Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | First Southern Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
6 branches in 5 counties across 1 state (+0 vs 2024) · $302.0M branch deposits. Biggest market: Marion, MS, ranked 2nd with 27.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Marion, MS | 2 | $199.1M | 27.92% | 2nd |
| Pearl River, MS | 1 | $40.4M | 3.52% | 7th |
| Perry, MS | 1 | $31.2M | 19.48% | 3rd |
| 2 more counties with Pro → | ||||
Mississippi: 43rd with 0.39% · Hattiesburg metro: 13th, 1.71% ·
Branch count: 2022 6 · 2023 6 · 2024 6 · 2025 6