FIRST SOUTHERN BANK is asn small FDIC-insured commercial bank headquartered in WAYCROSS, GA, established in June 19, 1907, midnight. As of 2025-12-31, the bank reported total assets of $328M and total deposits of $288M. Profitability stands at 0.62% ROA and 6.64% ROE, with a net interest margin of 4.88%. The bank's CET1 capital ratio is 13.95%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.01% and a Texas Ratio of 0.08%. FDIC Certificate #10055.
Assets
$328M
Deposits
$288M
Loans
$231M
Equity
$31M
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