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 Columbia, MS 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 | 1.84% | 1.35% | +0.49% | 80th top |
| ROAE | 18.80% | 12.05% | +6.75% | 83rd top |
| Net Interest Margin | 4.57% | 3.90% | +0.67% | 81st top |
| Efficiency Ratio | 61.36% | 63.15% | -1.79% | 50th above |
| PPNR / Avg Assets | 1.87% | 1.64% | +0.23% | 66th above |
| Yield on Earning Assets | 5.57% | 5.65% | -0.08% | 49th below |
| Cost of Funds | 1.04% | 1.85% | -0.81% | 90th top |
| Net Interest Spread | 4.11% | 3.35% | +0.76% | 87th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.45% | 0.92% | -0.47% | 47th below |
| NPA / Total Assets | 0.26% | 0.67% | -0.41% | 54th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.07% | 0.15% | -0.08% | 22nd bottom |
| ACL / Total Loans | 1.36% | 1.28% | +0.08% | 68th above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 300.59% | 1645.71% | -1345.12% | 60th above |
| Texas Ratio | 2.46% | 7.15% | -4.69% | 59th above |
| Provision / NCO | 57.14% | 1189.89% | -1132.75% | 29th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.57% | 12.46% | -1.89% | 43rd below |
| Equity / Assets | 9.89% | 11.67% | -1.78% | 43rd below |
| TCE / Tangible Assets | 9.89% | 11.40% | -1.51% | 48th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 54.92% | 78.65% | -23.73% | 88th top |
| Core Deposit Ratio | 96.55% | 87.09% | +9.46% | 91st top |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 4.25% | 5.11% | -0.86% | 44th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -4.10% | 6.48% | -10.58% | 6th bottom |
| Loan Growth (Y/Y) | 0.15% | 7.64% | -7.49% | 23rd bottom |
| Deposit Growth (Y/Y) | -10.13% | 6.03% | -16.16% | 2nd bottom |
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.