FIRST SOUTHERN BANK

FLORENCE, AL | Medium | Est. Jan. 1, 1934, midnight | FDIC #29332 | RSSD #66275 | FDIC
Latest Report: 2025-12-31

FIRST SOUTHERN BANK is amn medium FDIC-insured commercial bank headquartered in FLORENCE, AL, established in Jan. 1, 1934, midnight. As of 2025-12-31, the bank reported total assets of $732M and total deposits of $621M. Profitability stands at -0.12% ROA and -1.29% ROE, with a net interest margin of 3.81%. The bank's CET1 capital ratio is 9.36%. Asset quality metrics show a non-performing loan ratio of 5.94% and a Texas Ratio of 39.86%. FDIC Certificate #29332.

Assets

$732M

Deposits

$621M

Loans

$507M

Equity

$68M

Profitability

Return on Assets (ROA) -0.12%
Return on Equity (ROE) -1.29%
Net Interest Margin (NIM) 3.81%
Yield on Assets 6.42%
Cost of Funds 2.67%

Asset Quality

NPL Ratio 5.94%
Net Charge-Off Ratio 1.77%
Texas Ratio 39.86%
NPA Ratio 4.17%
ACL / Loans 1.59%

Capital & Liquidity

CET1 Ratio 9.36%
Tier 1 Capital 9.36%
Total Capital Ratio 9.82%
Leverage Ratio 9.97%
Loan-to-Deposit 81.55%

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