First Southern Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Southern Bank of Waycross, GA against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.98% | 1.34% | -0.36% | 32nd below |
| ROAE | 10.09% | 13.32% | -3.23% | 36th below |
| Net Interest Margin | 4.57% | 3.93% | +0.64% | 81st top |
| Efficiency Ratio | 72.62% | 61.14% | +11.48% | 23rd bottom |
| PPNR / Avg Assets | 1.29% | 1.68% | -0.39% | 33rd below |
| Yield on Earning Assets | 5.86% | 5.67% | +0.19% | 62nd above |
| Cost of Funds | 1.33% | 1.88% | -0.55% | 79th top |
| Net Interest Spread | 3.90% | 3.32% | +0.58% | 80th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.01% | 0.94% | -0.93% | 84th top |
| NPA / Total Assets | 0.01% | 0.70% | -0.69% | 85th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.08% | 0.16% | -0.08% | 21st bottom |
| ACL / Total Loans | 0.89% | 1.28% | -0.39% | 16th bottom |
| ACL / NPLs (Coverage) | 7742.31% | 1536.39% | +6205.92% | — |
| Texas Ratio | 0.07% | 7.33% | -7.26% | 88th top |
| Provision / NCO | 0.00% | 1396.20% | -1396.20% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 14.87% | 19.50% | -4.63% | 47th below |
| Tier 1 Ratio | 14.87% | 19.54% | -4.67% | 47th below |
| Total Capital Ratio | 15.76% | 20.62% | -4.86% | 45th below |
| Leverage Ratio | 10.92% | 12.14% | -1.22% | 49th below |
| Equity / Assets | 9.41% | 11.37% | -1.96% | 34th below |
| TCE / Tangible Assets | 9.41% | 11.09% | -1.68% | 38th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 72.38% | 80.64% | -8.26% | 66th above |
| Core Deposit Ratio | 92.03% | 86.86% | +5.17% | 67th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.91% | 6.85% | -1.94% | 54th above |
| Loan Growth (Y/Y) | 4.43% | 7.90% | -3.47% | 45th below |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.18% | 6.29% | -2.11% | 51st above |
See First Southern Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Southern Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full First Southern Bank profile, how to read a UBPR, or how this data updates.