Branch Network
First Southern Bank Locations & Branches Waycross, Georgia
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First Southern Bank operates 7 branches from its headquarters in Waycross, GA, .
First Southern Bank branch network
Its 7 branches span 2 states and 7 cities. The most are in GEORGIA (4) and FLORIDA (3). FLORIDA holds 57.2% of its branch deposits. Its largest office by deposits is the Sebring Branch office in Sebring, FL, with $90.4M (28.9% of its branch deposits). On June 30, 2025 it had 6 branches, 1 fewer than in 2026.
First Southern Bank at a glance
Its CET1 capital ratio was 14.87% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Total assets, Q2 2026
- $347.2M
- CET1 ratio, Q2 2026
- 14.87%
- Deposit insurance
- FDIC
- Regulator
- FDIC
- Latest call report
- Q2 2026, FFIEC 051
- Established
- 1907
Full financial profile · Is First Southern Bank safe? · First Southern Bank call report · Routing number
Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: Waycross, GA (1 branch) | 6 of 7 | 4.9% | $47.2M |
| State: GA (4 branches) | 134 of 177 | <0.1% | $134.0M |
| Largest deposit state: FL (3 branches) | 129 of 186 | <0.1% | $178.9M |
Ranked by total assets among banks headquartered in the state: Largest banks in Georgia.
Share by county and metro area
First Southern Bank's share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| Ware, GA (1 branch) | 6 of 7 | 4.9% | $47.2M | $971.8M |
Metro areas
| Metro area | Rank | Deposit share | Deposits | Metro total |
|---|---|---|---|---|
| Waycross, GA (1 branch) | 7 of 7 | 3.7% | $47.2M | $1.28B |
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Sebring Branch | Sebring, FL | 33870 | $90.4M |
| Manatee Branch | Bradenton, FL | 34205 | $76.6M |
| First Southern Bank (main office) | Waycross, GA | 31501 | $47.2M |
| Wayne County Branch | Jesup, GA | 31545 | $34.0M |
| Patterson Branch | Patterson, GA | 31557 | $30.0M |
| Blackshear Branch | Blackshear, GA | 31516 | $22.7M |
| Stuart Branch | Stuart, FL | 34994 | $11.9M |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 10055) · FFIEC NIC profile (RSSD 631039)