Bank call report · Marion, IL
First Southern Bank Call Report
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First Southern Bank filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 322 reported line items, schedule by schedule (394 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 051 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 382649 |
| FDIC certificate number | 15565 |
| Total assets | $1.04B |
Official Q2 2026 call report PDF (FFIEC) →
First Southern Bank call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 051.
Schedule RC: Balance Sheet (27 items)
About Schedule RC · First Southern Bank balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $1.04B |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $1.04B |
| Total Liabilities and Minority Interest | RCON2948 | $929.7M |
| Total Deposits | RCON2200 | $904.3M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $655.7M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $647.9M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $493.3M |
| Deposits: Noninterest-bearing | RCON6631 | $410.9M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $260.6M |
| Total Equity Capital | RCON3210 | $112.4M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $112.4M |
| Surplus | RCON3839 | $81.8M |
| Undivided Profits and Capital Reserves | RCON3632 | $45.3M |
| Held to maturity securities (ASU 2016-13 adoption) | RCONJJ34 | $32.9M |
| Held-to-maturity Securities, Total | RCON1754 | $32.9M |
| Other Assets | RCON2160 | $32.9M |
| Interest-bearing Balances | RCON0071 | $21.9M |
| Securities Sold Under Agreements to Repurchase | RCONB995 | $21.2M |
| Intangible Assets | RCON2143 | $18.4M |
| Accumulated Other Comprehensive Income | RCONB530 | -$16.7M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $16.2M |
| Goodwill | RCON3163 | $14.2M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $8.7M |
| Allowance for Loan and Lease Losses | RCON3123 | $7.7M |
| Other Liabilities, Total | RCON2930 | $4.3M |
| Other Real Estate Owned | RCON2150 | $2.6M |
| Common Stock | RCON3230 | $2.0M |
Schedule RI: Income Statement (42 items)
About Schedule RI · First Southern Bank income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $25.6M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $20.4M |
| Net Interest Income | RIAD4074 | $19.5M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $12.2M |
| Total Noninterest Expense | RIAD4093 | $10.9M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $8.2M |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $8.2M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $7.2M |
| Net Income (Loss) | RIAD4340 | $7.2M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $7.2M |
| Salaries and Employee Benefits | RIAD4135 | $6.8M |
| Total Interest Expense | RIAD4073 | $6.1M |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $4.1M |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $3.0M |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $2.6M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $2.5M |
| Other Noninterest Expense | RIAD4092 | $2.5M |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $2.5M |
| Provision for Loan and Lease Losses | RIAD4230 | $2.4M |
| Total Noninterest Income | RIAD4079 | $2.0M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $1.7M |
| Interest on Other Securities | RIAD4060 | $1.4M |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $1.3M |
| Expenses of Premises and Fixed Assets | RIAD4217 | $1.3M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $1.2M |
| Applicable Income Taxes | RIAD4302 | $1.1M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $1.0M |
| Other Noninterest Income | RIADB497 | $925K |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $847K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $553K |
| Estimated Income on Tax-exempt Loans and Leases to States and Political Subdivisions in the U.S. | RIAD4313 | $474K |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $474K |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $362K |
| Noninterest income: Fees and commissions from securities brokerage, investment banking, advisory, and underwriting activities | RIADHT73 | $322K |
| Amortization Expense and Impairment Losses Intangible Assets | RIADC232 | $276K |
| Net Servicing Fees | RIADB492 | $105K |
| Savings Deposits (Including Mmdas) | RIAD0093 | $78K |
| Other Interest Income | RIAD4518 | $52K |
| Net Gains (Losses) on Sales of Loans | RIAD5416 | $48K |
| Expense of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase | RIAD4180 | $38K |
| Net Gains (Losses) on Other Real Estate Owned | RIAD5415 | $35K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 161 |
Schedule RC-B: Securities (33 items)
About Schedule RC-B · First Southern Bank securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Amortized Cost | RCONG314 | $30.8M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Fair Value | RCONG315 | $28.5M |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $282.6M |
| Pledged Securities | RCON0416 | $175.2M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Amortized Cost | RCONHT56 | $129.3M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Fair Value | RCONHT57 | $115.7M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over 15 Years | RCONA560 | $92.0M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $83.4M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $56.5M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $51.4M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $49.2M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $48.5M |
| Fair Value of Held-to-maturity Securities Issued by States and Political Subdivisions in the U.S. | RCON8497 | $33.9M |
| Total Fair Value of Held-to-maturity Securities | RCON1771 | $33.9M |
| Amortized Cost of Held-to-maturity Securities Issued by States and Political Subdivisions in the U.S. | RCON8496 | $32.9M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $25.9M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years | RCONA559 | $23.5M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS | RCONA562 | $20.7M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA550 | $20.5M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $19.6M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $17.0M |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Amortized Cost | RCONK144 | $15.7M |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Fair Value | RCONK145 | $15.5M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF THREE YEARS OR LESS | RCONA561 | $7.9M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months of Less | RCONA549 | $5.3M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing of Over Ffteen Years | RCONA554 | $3.3M |
| Fair Value of Structured Notes | RCON8783 | $1.8M |
| Amortized Cost of Structured Notes | RCON8782 | $1.8M |
| Amortized Cost of Other Available-for-sale Domestic Debt Securities | RCON1739 | $1.0M |
| Fair Value of Other Available-for-sale Domestic Debt Securities | RCON1741 | $982K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA558 | $145K |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :Issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Amortized Cost | RCONK152 | $38K |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :Issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Fair Value | RCONK153 | $38K |
Schedule RC-C, Part I: Loans and Leases (36 items)
About Schedule RC-C, Part I · First Southern Bank loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $655.7M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $236.8M |
| Pledged Loans and Leases | RCONG378 | $166.6M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $154.0M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $148.2M |
| Commercial and Industrial Loans | RCON1766 | $132.2M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $122.3M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $114.1M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $99.3M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $99.3M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $67.7M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $67.5M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $57.0M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA575 | $44.5M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $42.1M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $38.5M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $37.1M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $33.5M |
| Obligations (Other Than Securities and Leases) of States and Political Subdivisions in the U.S. | RCON2107 | $21.1M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $19.0M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA569 | $17.2M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $16.9M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $16.4M |
| Loans to Depository Institutions | RCON1288 | $11.1M |
| Real Estate Loans Secured by Farmland | RCON1420 | $10.8M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $9.0M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $4.0M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $3.3M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $2.3M |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $1.9M |
| Other Loans | RCONJ464 | $984K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - Construction, Land Development, and Other Land Loans: Secured by Nonfarm Nonresidential Properties: Loans Secured by Owner-occupied Nonfarm Nonresidential Properties | RCONK161 | $876K |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty That Are in Compliance with Their Modified Terms | RCONHK25 | $876K |
| Loans to Finance Agricultural Production and Other Loans to Farmers | RCON1590 | $181K |
| Lease Financing Receivables (Net of Unearned Income) | RCON2165 | $154K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans | RCONB539 | $135K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (22 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $39.9M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $19.7M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $10.4M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $7.1M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $6.1M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $4.8M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5581 | $1.9M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5583 | $1.5M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5579 | $665K |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5587 | $89K |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5585 | $14K |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 239 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 118 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 108 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 92 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 69 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 64 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5578 | 20 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5580 | 17 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5582 | 7 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5584 | 2 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5586 | 1 |
Schedule RC-E: Deposit Liabilities (26 items)
About Schedule RC-E · First Southern Bank deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Transaction Accounts | RCON2215 | $586.7M |
| Total Demand Deposits (See Note Below) | RCON2210 | $411.0M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $392.2M |
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $317.5M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $267.3M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $194.6M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $107.2M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $97.3M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $81.0M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $74.5M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $56.0M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $53.6M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $53.2M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $50.2M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $49.8M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $48.3M |
| Sweep deposits: Fully insured, non-affiliate sweep deposits | RCONMT91 | $21.2M |
| Total sweep deposits that are not brokered deposits | RCONMT95 | $21.2M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $20.9M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $20.1M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $8.7M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK14 | $6.6M |
| Estimated Amount of Deposits Obtained Through the Use of Deposit Listing Services That Are Not Brokered Deposits | RCONK223 | $6.4M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $6.2M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK10 | $2.4M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $1.3M |
Schedule RC-F: Other Assets (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Life Insurance Assets: General Account Life Insurance Assets | RCONK201 | $13.1M |
| Net Deferred Tax Assets | RCON2148 | $8.2M |
| Other Assets | RCON2168 | $5.0M |
| Accrued Interest Receivable | RCONB556 | $4.5M |
| First Itemized Amount That Exceeds 25% of All Other Assets (2168) | RCON3549 | $3.6M |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $2.1M |
Schedule RC-G: Other Liabilities (4 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Expenses Accrued and Unpaid | RCON3646 | $3.2M |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $780K |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $245K |
| All Other Liabilities | RCON2938 | $18K |
Schedule RC-K: Quarterly Averages (16 items)
About Schedule RC-K · First Southern Bank quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $1.05B |
| Quarterly Average of Total Loans | RCON3360 | $661.3M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $337.1M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $252.3M |
| Mortgage-backed Securities | RCONB559 | $178.3M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $133.9M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $126.8M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $99.9M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $98.3M |
| All Other Securities | RCONB560 | $87.8M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $82.3M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $48.8M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $31.4M |
| Quarterly Average of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase | RCON3353 | $22.0M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $18.8M |
| Quarterly Average of Loans to Finance Agricultural Production and Other Loans to Farmers | RCON3386 | $222K |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (8 items)
About Schedule RC-L · First Southern Bank derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $34.5M |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $27.8M |
| Other unused commitments: Loans to depository financial institutions | RCONPV10 | $23.8M |
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $14.5M |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $11.7M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $5.1M |
| Financial Standby Letters of Credit and Foreign Office Guarantees | RCON3819 | $1.9M |
| Performance Standby Letters of Credit | RCON3821 | $72K |
Schedule RC-M: Memoranda (6 items)
About Schedule RC-M · First Southern Bank memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| All other intangible assets | RCONJF76 | $3.3M |
| All Other Real Estate Owned: Nonfarm Nonresidential Properties in Domestic Offices | RCON5512 | $2.6M |
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $2.2M |
| Estimated Fair Value of Mortgage Servicing Assets | RCONA590 | $1.8M |
| Mortgage Servicing Assets | RCON3164 | $871K |
| Number of Executive Officers, Directors, and Principal Shareholders to Whom the Amount of All Extensions of Credit by the Reporting Bank (Including Extensions of Credit to Related Interests) Equals or Exceeds the Lesser of $500,000 or 5 Percent of Total Capital as Defined for This Purpose in Agency Regulations | RCON6165 | 1 |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (23 items)
About Schedule RC-N · First Southern Bank past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $18.8M |
| Additions to Nonaccrual Assets | RCONC410 | $13.0M |
| Loans Secured by Other Nonfarm Nonresidential Properties, Nonaccrual | RCONF183 | $8.6M |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, Nonaccrual | RCONF182 | $6.2M |
| Commercial and Industrial Loans - Nonaccrual | RCON1608 | $2.0M |
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $2.0M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $1.4M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $929K |
| Total Loans and Lease Financing Receivables: Past Due 90 Days or More and Still Accruing | RCON1407 | $826K |
| Loans Secured by Real Estate (in Domestic Offices): Secured by Farmland - Past Due 90 Days or More and Still Accruing | RCON3494 | $634K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 30 Through 89 Days and Still Accruing | RCONK216 | $347K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, 30-89 Days Past Due | RCONF178 | $294K |
| Commercial and Industrial Loans - Past Due 30-89 Days and Still Accruing | RCON1606 | $256K |
| Loans Secured by Real Estate (in Domestic Offices): Secured by Multifamily (5 or More) Residential Properties - Nonaccrual | RCON3501 | $178K |
| Other Construction Loans and All Land Development and Other Land Loans, Nonaccrual | RCONF177 | $160K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, 90 or More Days Past Due and Still Accruing | RCONF180 | $152K |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Past Due 30 Through 89 Days and Still Accruing | RCON5398 | $149K |
| 1-4 Family Residential Construction Loans, Nonaccrual | RCONF176 | $141K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens-nonaccural | RCONC230 | $48K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens-past Due 90 Days or More and Still Accruing | RCONC239 | $40K |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Nonaccrual | RCON5400 | $28K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Nonaccrual | RCONK218 | $22K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Past Due 30 Through 89 Days and Still Accruing | RCONK213 | $15K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (13 items)
About Schedule RC-O · First Southern Bank other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $1.05B |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $905.0M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $475.3M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $423.5M |
| Estimated Amount of Uninsured Assessable Deposits in Domestic Offices of the Bank and in Insured Branches in Puerto Rico and U.S. Territories and Possessions, Including Related Interest Accrued and Unpaid | RCON5597 | $313.1M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $110.9M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $5.8M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $380K |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 31,620 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 429 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 348 |
| Averaging Method Used | RCONK653 | 1 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 1 |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (22 items)
About Schedule RC-R, Part I · First Southern Bank regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average total consolidated assets | RCOAKW03 | $1.05B |
| Total Assets | RCOA2170 | $1.04B |
| Average Total Assets (Net of Deductions) | RCOAA224 | $1.03B |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $112.4M |
| Common Equity Tier 1 Capital | RCOAP859 | $111.6M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $111.6M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $111.6M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $83.8M |
| Unconditionally Cancellable Commitments | RCOAS540 | $72.8M |
| Retained Earnings | RCOAKW00 | $45.3M |
| Total off-balance sheet exposures (sum of items 34.a through 34.c) Report as a dollar amount in Column A and as a percentage of total assets (25% limit) in Column B | RCOAKX82 | $34.9M |
| Off-balance sheet exposures: Other off-balance sheet exposures | RCOAKX81 | $32.9M |
| Less: Deductions from Common Equity Tier 1 Capital and Additional Tier 1 Capital (Sum of Items 6, 7, 8, 10.B, 11, 13 Through 17 and Certain Elements of Item 24 - See Instructions) | RCOAP875 | $17.5M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$16.7M |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$16.7M |
| Goodwill Net of Associated Deferred Tax Liabilities (Dtls) | RCOAP841 | $14.2M |
| Intangible Assets (Other Than Goodwill and Mortgage Servicing Assets (Msas)), Net of Associated Dtls | RCOAP842 | $3.3M |
| Off-balance sheet exposures: Unused portion of conditionally cancellable commitments | RCOAKX79 | $2.0M |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Do you qualify for and opt-in to CBLR? | RCOALE74 | 1 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.1085 |
| Total off-balance sheet exposures (sum of items 15a through 15.c) | RCOAKX83 | 0.0335 |
Schedule RI-A: Changes in Bank Equity Capital (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $114.8M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $113.9M |
| Total Equity Capital | RIAD3210 | $112.4M |
| Cash Dividends Declared on Common Stock | RIAD4460 | $6.0M |
| Other Comprehensive Income | RIADB511 | -$2.6M |
| Restatements Due to Corrections of Material Accounting Errors and Changes in Accounting Principles | RIADB507 | -$882K |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (12 items)
About Schedule RI-B, Part I · First Southern Bank charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $1.5M |
| Loans Secured by Other Nonfarm Nonresidential Properties: Charge-offs | RIADC897 | $1.1M |
| Charge-offs on Commercial and Industrial Loans | RIAD4638 | $318K |
| Charge-offs on Closed-end Loans by 1-4 Family Residential Properties:secured by First Liens | RIADC234 | $72K |
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $62K |
| Charge-offs All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK205 | $47K |
| Recoveries on Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens | RIADC217 | $29K |
| Recoveries All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK206 | $19K |
| Recoveries on Commercial and Industrial Loans | RIAD4608 | $11K |
| Charge-offs on Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RIAD5411 | $5K |
| Recoveries on Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RIAD5412 | $2K |
| Loans Secured by Other Nonfarm Nonresidential Properties: Recoveries | RIADC898 | $1K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (4 items)
About Schedule RI-B, Part II · First Southern Bank changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Allowance for Loan and Lease Losses | RIAD3123 | $7.7M |
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $6.8M |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $1.5M |
| Provisions for credit losses on off-balance-sheet exposures | RIADMG93 | $56K |
Schedule RI-C: Disaggregated Data on the Allowance for Credit Losses (13 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Loans and Leases, Held for Investment, Total, Amortized Cost | RCONJJ11 | $655.7M |
| Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Amortized Cost | RCONJJ05 | $289.3M |
| Loans and Leases, Held for Investment, Commerical loans, Amortized Cost | RCONJJ07 | $165.8M |
| Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Amortized Cost | RCONJJ06 | $119.0M |
| Loans and Leases, Held for Investment, Real estate loans, Construction loans, Amortized Cost | RCONJJ04 | $46.1M |
| Loans and Leases, Held for Investment, Other consumer loans, Amortized Cost | RCONJJ09 | $35.5M |
| Loans and Leases, Held for Investment, Total, Allowance Balance | RCONJJ19 | $7.7M |
| Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Allowance Balance | RCONJJ13 | $4.9M |
| Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Allowance Balance | RCONJJ14 | $1.2M |
| Loans and Leases, Held for Investment, Commerical loans, Allowance Balance | RCONJJ15 | $907K |
| Loans and Leases, Held for Investment, Real estate loans, Construction loans, Allowance Balance | RCONJJ12 | $380K |
| Loans and Leases, Held for Investment, Other consumer loans, Allowance Balance | RCONJJ17 | $318K |
| Loans and Leases, Held for Investment, Unallocated, Allowance Balance | RCONJJ18 | $77K |
Schedule RI-E: Explanations (1 item)
| Line item | Code | Q2 2026 |
|---|---|---|
| First Itemized Statement Due to Corrections of Material Accounting Errors and Changes in Accounting Principles from Prior Years | RIADB526 | -$882K |
Schedule SU: Supplemental Information (2 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Outstanding Principal Balance of Assets Sold by the Reporting Institution with Recourse or Other Seller Provided Credit Enhancements, But Not Securitized by the Reporting Institution | RCONFT10 | $123.5M |
| Total Outstanding Principal Balance of Closed End 1-4 Family Residential Mortgage Loans Serviced for Others Plus the Total Outstanding Principal Balance of Other Financial Assets Serviced for Others If More Than $10 Million | RCONFT12 | $123.5M |
First Southern Bank call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the First Southern Bank call report?
The First Southern Bank call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does First Southern Bank file?
First Southern Bank files the FFIEC 051. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the First Southern Bank call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: First Southern Bank has Federal Reserve RSSD ID 382649 and FDIC certificate number 15565. Either one finds its filings on the FFIEC Central Data Repository.
How often does First Southern Bank file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
First Southern Bank financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 15565) · FFIEC NIC profile (RSSD 382649)