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 10.86% as of Q2 2026, ranking #8 of 3,644 U.S. banks (100th percentile). That is up 5.13 percentage points from 5.73% a year earlier, and above the 0.42% median of the 741 Midsize Community Banks ($500M–$1B in assets). The NPL ratio is nonaccrual loans plus loans 90 or more days past due and still accruing, divided by total loans: the FDIC noncurrent loan ratio. Loans modified for borrowers in financial difficulty that pay under their new terms are not counted.
12-Quarter Trend
National Context
What is the Non-Performing Loans Ratio?
A non-performing loan (NPL) is a loan whose borrower has stopped paying as agreed: the bank has put it on nonaccrual because full collection is doubtful, or it is 90 or more days past due. The NPL ratio divides those loans by total loans. Regulators call them noncurrent loans.
Compare the NPL ratio with the allowance for credit losses: an allowance smaller than the NPL balance leaves less room for losses on loans already in trouble. Then find which loan type is driving it, because a jump in construction or office loans means more than one in guaranteed loans. A single large commercial loan can move a small bank's ratio by a full percentage point, so read the trend over several quarters.
Full definition & formula →Frequently asked questions
What is First Southern Bank's Non-Performing Loans Ratio?
First Southern Bank's Non-Performing Loans Ratio was 10.86% as of Q2 2026, ranking #8 of 3,644 U.S. banks.
What is the Non-Performing Loans Ratio?
A non-performing loan (NPL) is a loan whose borrower has stopped paying as agreed: the bank has put it on nonaccrual because full collection is doubtful, or it is 90 or more days past due. The NPL ratio divides those loans by total loans. Regulators call them noncurrent loans.
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. The figures come from the bank's call report.
Regulator records: FDIC BankFind (cert 29332) · FFIEC NIC profile (RSSD 66275)