First Southern Bank
Waycross, GA · Cert 10055 · Peer group: banks under $1B in assets operating regionally (n=100) · FSBH Corp.
State charter, non-member · FDIC · 7 branches
Q2 2026
$347.2MAssets
$226.5MLoans
$312.9MDeposits
$32.7MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 93% of banks under $1B in assets operating regionally (rank 8 of 100).
- Widest gap: efficiency ratio trails 75% of banks under $1B in assets operating regionally (rank 76 of 100).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.91%
Rank 70 of 100
Net Interest Margin
4.24%
Rank 23 of 100
Efficiency Ratio
72.90%
Rank 76 of 100
Equity / Assets
9.41%
Rank 67 of 100
Non-interest income vs. expense
Unfavorable gap of $9.9M · efficiency ratio beats 25% of banks under $1B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.91% | 0.82% | 1.19% | 1.50% | Beats 30% | 70 / 100 | |
| Return on Equity | 9.72% | 7.96% | 11.91% | 14.16% | Beats 32% | 68 / 100 | |
| Net Interest Margin | 4.24% | 3.43% | 3.80% | 4.17% | Beats 77% | 23 / 100 | |
| Efficiency Ratio | 72.90% | 55.88% | 62.41% | 72.90% | Beats 25% | 76 / 100 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.01% | 0.19% | 0.47% | 1.06% | Beats 93% | 8 / 100 | |
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.02% | 0.06% | Beats 46% | 55 / 100 | |
| Capital |
| Tier 1 Capital Ratio | 14.87% | 10.31% | 12.02% | 14.75% | Beats 77% | 23 / 100 | |
| Total Risk-Based Capital Ratio | 15.76% | 10.50% | 12.71% | 15.64% | Beats 77% | 23 / 100 | |
| Equity / Assets | 9.41% | 8.89% | 10.14% | 11.36% | Beats 33% | 67 / 100 | |
| Liquidity & Funding |
| Loans / Deposits | 72.38% | 73.97% | 83.99% | 92.79% | 23rd pctl | 77 / 100 | |
| Loans / Assets | 65.23% | 62.33% | 70.97% | 78.76% | 31st pctl | 69 / 100 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |