First Southern Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 6.65 percentage points higher than in Q1 2026, at 300.59%. First Southern Bank ranks 9th of 57 Mississippi banks on return on assets, in the upper half at 1.84% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. First Southern Bank sits 0.59 points higher, at 1.84% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.57% |
| Equity capital to assets | 9.89% |
| Tangible equity to tangible assets | 9.89% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.45% |
| Non-performing assets ratio | 0.26% |
| Net charge-off ratio | 0.07% |
| Texas ratio | 2.46% |
| Allowance for credit losses to loans | 1.36% |
| Reserve coverage of non-performing loans | 300.59% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.84% |
| Return on equity | 18.80% |
| Net interest margin | 4.57% |
| Efficiency ratio | 61.36% |
| Yield on earning assets | 5.57% |
| Cost of funds | 1.04% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 54.92% |
| Core deposits to total deposits | 96.55% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 85.54% |
| Securities to assets | 32.97% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 10.75% | 1.41% | 4.43% | 0.57% | 0.03% |
| Q4 2023 | 11.24% | 1.48% | 4.60% | 0.36% | -0.07% |
| Q1 2024 | 11.37% | 1.59% | 4.73% | 0.20% | 0.22% |
| Q2 2024 | 11.32% | 1.65% | 4.82% | 0.32% | -0.03% |
| Q3 2024 | 11.51% | 1.92% | 4.82% | 0.91% | 0.09% |
| Q4 2024 | 11.45% | 2.02% | 4.68% | 0.94% | 0.03% |
| Q1 2025 | 10.95% | 1.69% | 4.59% | 0.73% | 0.09% |
| Q2 2025 | 10.21% | 1.70% | 4.45% | 1.35% | 0.12% |
| Q3 2025 | 10.88% | 2.08% | 4.56% | 1.29% | 0.02% |
| Q4 2025 | 11.17% | 1.86% | 4.66% | 0.61% | 0.04% |
| Q1 2026 | 10.67% | 1.86% | 4.57% | 0.45% | 0.11% |
| Q2 2026 | 10.57% | 1.84% | 4.57% | 0.45% | 0.07% |
First Southern Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Southern Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First Southern Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31158) · FFIEC NIC profile (RSSD 954671)