First Southern Bank — Non-Performing Loans Ratio
Data as of · sourced from FFIEC call reports. How we update
First Southern Bank reported a non-performing loans ratio of 7.54% as of Q1 2026 , ranking #18 of 3,880 U.S. banks (100th percentile) . The Non-Performing Loan (NPL) ratio measures loans 90+ days past due or in non-accrual status divided by total loans — the leading indicator of credit deterioration.
12-Quarter Trend
National Context
What is the Non-Performing Loans Ratio?
The NPL ratio measures loans past due 90+ days or in non-accrual status as a percentage of total loans. It is the most direct indicator of how much of the bank's loan portfolio is currently in trouble.
Most US community banks report NPL ratios between 0.3% and 1.5%. Spikes above 2% warrant deeper analysis — drill into which loan categories are stressed (commercial real estate? consumer? construction?). Compare to the bank's loss reserves: an NPL of 2% against an ACL/Loans of 1% means the bank may need to build reserves.
Full definition & formula →More First Southern Bank metrics
Source: FFIEC call reports, standardized by BankRegReports. Values are point-in-time as filed. See the full First Southern Bank profile or how this data updates.