| Metric | First Southern Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.9% | +4.4% | +0.5 pts |
| Deposit growth (YoY) | +4.2% | +4.0% | +0.2 pts |
| Loan growth (YoY) | +4.5% | +5.6% | -1.1 pts |
| ROA | 0.94% | 1.24% | -0.3 pts |
| ROE | 10.0% | 11.9% | -1.9 pts |
ROA ranks in the 32nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $347.2M | $312.9M | $224.5M | $32.7M | $1.6M | 0.94% | 4.50% | 0.01% |
| Q1 2026 | $334.8M | $301.6M | $219.6M | $31.7M | $775K | 0.94% | 4.52% | 0.03% |
| Q4 2025 | $327.7M | $288.5M | $229.3M | $30.8M | $2.9M | 0.90% | 4.62% | 0.01% |
| Q3 2025 | $324.1M | $292.3M | $222.3M | $30.2M | $2.4M | 1.00% | 4.56% | 0.00% |
| Q2 2025 | $330.9M | $300.3M | $214.9M | $29.1M | $1.5M | 0.92% | 4.47% | 0.00% |
| Q1 2025 | $329.3M | $299.5M | $208.0M | $28.2M | $739K | 0.92% | 4.45% | 0.00% |
| Q4 2024 | $314.4M | $285.6M | $202.4M | $27.3M | $2.3M | 0.75% | 4.15% | 0.00% |
| Q3 2024 | $307.7M | $279.7M | $200.6M | $26.5M | $1.6M | 0.68% | 4.05% | 0.02% |
Loan mix (Q2 2026): real estate $196.9M · commercial $23.5M · consumer $3.3M · securities $64.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | First Southern Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.94% | 1.24% | 32th | |
Return on equity Annualized net income ÷ equity or net worth | 10.0% | 11.9% | 39th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.50% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.9% | 62.9% | 74th |
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 |
|---|---|---|---|---|
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% |
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