Branch Network
First Southern Bank Locations & Branches Florence, Alabama
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First Southern Bank operates 10 branches from its headquarters in Florence, AL, . Its main office is at 201 S Court Street, Florence, AL 35630.
First Southern Bank branch network
Its 10 branches span 4 states and 9 cities. The most are in ALABAMA (6), FLORIDA (2) and ARKANSAS (1). ALABAMA holds 96.5% of its branch deposits. Florence, AL has the most of its branches, 2. Its largest office by deposits is its main office in Florence, AL, with $381.0M (66.0% of its branch deposits). It had the same number of branches on June 30, 2025.
First Southern Bank at a glance
It reports no CET1 ratio; its Tier 1 leverage ratio was 10.65% at Q3 2026, above the 8% community bank leverage ratio requirement for being considered well capitalized.
- Total assets, Q3 2026
- $634.0M
- Tier 1 leverage ratio, Q3 2026
- 10.65%
- Deposit insurance
- FDIC
- Regulator
- FDIC
- Latest call report
- Q3 2026, FFIEC 051
- Established
- 1934
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: Florence, AL (2 branches) | 1 of 15 | 21.8% | $453.2M |
| State: AL (6 branches) | 40 of 131 | 0.4% | $556.9M |
Ranked by total assets among banks headquartered in the state: Largest banks in Alabama.
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 |
|---|---|---|---|---|
| Lauderdale, AL (3 branches) | 2 of 16 | 19.6% | $513.3M | $2.62B |
| Colbert, AL (1 branch) | 6 of 6 | 2.7% | $36.1M | $1.32B |
| Lake, FL (1 branch) | 17 of 17 | 0.1% | $11.8M | $8.54B |
| Marshall, AL (1 branch) | 16 of 16 | 0.2% | $6.1M | $2.80B |
| Levy, FL (1 branch) | 3 of 4 | 1.0% | $5.5M | $576.3M |
| Union, MS (1 branch) | 5 of 5 | 0.2% | $1.6M | $823.7M |
| Lawrence, AL (1 branch) | 4 of 4 | 0.3% | $1.3M | $447.1M |
| Miller, AR (1 branch) | 10 of 10 | 0.1% | $1.3M | $921.8M |
Metro areas
| Metro area | Rank | Deposit share | Deposits | Metro total |
|---|---|---|---|---|
| Florence-Muscle Shoals, AL (4 branches) | 3 of 16 | 14.0% | $549.4M | $3.94B |
| Orlando-Kissimmee-Sanford, FL (1 branch) | 42 of 48 | <0.1% | $11.8M | $68.65B |
| Albertville, AL (1 branch) | 16 of 16 | 0.2% | $6.1M | $2.80B |
| Gainesville, FL (1 branch) | 20 of 20 | <0.1% | $5.5M | $6.54B |
| Decatur, AL (1 branch) | 16 of 16 | <0.1% | $1.3M | $3.33B |
| Texarkana, TX-AR (1 branch) | 19 of 19 | <0.1% | $1.3M | $3.13B |
Deposits by county
Every county where First Southern Bank has branches (8 in all), from the June 30, 2026 Summary of Deposits: the bank's deposits, its share of all FDIC-insured deposits in the county, its rank and its branch count there. Largest deposits first.
Show all 8 counties
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Lauderdale, AL | 3 | $513.3M | 19.6% | 2 of 16 |
| Colbert, AL | 1 | $36.1M | 2.7% | 6 of 6 |
| Lake, FL | 1 | $11.8M | 0.1% | 17 of 17 |
| Marshall, AL | 1 | $6.1M | 0.2% | 16 of 16 |
| Levy, FL | 1 | $5.5M | 1.0% | 3 of 4 |
| Union, MS | 1 | $1.6M | 0.2% | 5 of 5 |
| Lawrence, AL | 1 | $1.3M | 0.3% | 4 of 4 |
| Miller, AR | 1 | $1.3M | 0.1% | 10 of 10 |
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First Southern Bank (main office) | Florence, AL | 35630 | $381.0M |
| St. Florian Branch | Florence, AL | 35630 | $72.1M |
| Killen Branch | Killen, AL | 35645 | $60.2M |
| Muscle Shoals Branch | Muscle Shoals, AL | 35661 | $36.1M |
| Clermont Branch | Clermont, FL | 34711 | $11.8M |
| Boaz Branch | Boaz, AL | 35957 | $6.1M |
| Bronson Branch | Bronson, FL | 32621 | $5.5M |
| New Albany Branch | New Albany, MS | 38652 | $1.6M |
| Moulton Branch | Moulton, AL | 35650 | $1.3M |
| Texarkana Branch | Texarkana, AR | 71854 | $1.3M |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 29332) · FFIEC NIC profile (RSSD 66275)