First Southern Bank
Total assets
$679.2M
▲ +4.2% YoY
Deposits
$577.1M
▲ +6.4% YoY
Loans
$454.4M
▼ -12.9% YoY
Offices
10
FIRST SOUTHERN BANCSHARES INC
ROA (annualized)
-2.50%
peers 1.28%
ROE (annualized)
-27.77%
peers 12.44%
Peer comparison 748 banks with 500M-1B in assets
| Metric | First Southern Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.2% | +4.9% | -0.7 pts |
| Deposit growth (YoY) | +6.4% | +4.3% | +2.1 pts |
| Loan growth (YoY) | -12.9% | +5.3% | -18.2 pts |
| ROA | -2.50% | 1.28% | -3.8 pts |
| ROE | -27.8% | 12.4% | -40.2 pts |
ROA ranks in the 0th percentile of its peer group · Q2 2026
Profile
- Established
- 1934
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- FIRST SOUTHERN BANCSHARES INC
- Specialization
- Agricultural Specialization
- Address
- 201 S Court Street, Florence, AL, 35630
- County
- Lauderdale
- Metro area
- Florence-Muscle Shoals, AL
- Offices
- 10
- FDIC cert #
- 29332
- RSSD ID
- 66275
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $679.2M | $577.1M | $454.4M | $59.7M | $-8.7M | -2.50% | 3.25% | 7.49% |
| Q1 2026 | $685.1M | $582.2M | $461.9M | $60.7M | $-7.7M | -4.34% | 3.40% | 5.10% |
| Q4 2025 | $732.2M | $621.2M | $498.5M | $68.5M | $97K | 0.01% | 3.63% | 4.17% |
| Q3 2025 | $677.6M | $568.0M | $511.3M | $66.8M | $316K | 0.06% | 3.64% | 4.90% |
| Q2 2025 | $651.9M | $542.4M | $521.5M | $66.7M | $173K | 0.05% | 3.57% | 4.64% |
| Q1 2025 | $648.0M | $538.7M | $534.1M | $66.9M | $505K | 0.30% | 3.22% | 4.88% |
| Q4 2024 | $679.1M | $570.1M | $543.5M | $66.3M | $7.7M | 1.20% | 3.96% | 2.45% |
| Q3 2024 | $638.4M | $530.2M | $538.8M | $65.0M | $6.0M | 1.27% | 4.06% | 0.28% |
Loan mix (Q2 2026): real estate $342.3M · commercial $60.1M · consumer $3.3M · securities $112.7M
Ratio pack Q2 2026 · peer medians from 748 institutions
Profitability
| Ratio | First Southern Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -2.50% | 1.28% | 0th | |
Return on equity Annualized net income ÷ equity or net worth | -27.8% | 12.4% | 0th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.25% | 3.89% | 18th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.8% | 61.2% | 68th | |
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% |
Balance sheet
| 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% |
Capital
| 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% |
Credit quality
| 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% |
Franchise
| 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% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
Similar banks
- Central State BankCalera, AL · $890.7M
- Traditions BankCullman, AL · $890.9M
- First Southern State BankStevenson, AL · $893.5M
- West Alabama Bank & TrustReform, AL · $929.0M
- Minster BankMinster, OH · $811.6M
- CUSB BankCresco, IA · $812.1M
Selling to First Southern Bank?
See Pro plan →Peer lists, growth filters, CSV export, CRM push.