First Southern Bank
Waycross, GA · Cert 10055 · Peer group: banks under $1B in assets operating regionally (n=94) · 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 94% of banks under $1B in assets operating regionally (rank 7 of 94).
- Widest gap: efficiency ratio trails 73% of banks under $1B in assets operating regionally (rank 70 of 94).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.91%
Rank 67 of 94
Net Interest Margin
4.24%
Rank 22 of 94
Efficiency Ratio
72.90%
Rank 70 of 94
Equity / Assets
9.41%
Rank 65 of 94
Non-interest income vs. expense
Unfavorable gap of $9.9M · efficiency ratio beats 27% 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% | 1.46% | Beats 29% | 67 / 94 | |
| Return on Equity | 9.72% | 7.85% | 11.84% | 14.03% | Beats 34% | 62 / 94 | |
| Net Interest Margin | 4.24% | 3.42% | 3.81% | 4.18% | Beats 77% | 22 / 94 | |
| Efficiency Ratio | 72.90% | 55.99% | 62.41% | 73.02% | Beats 27% | 70 / 94 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.01% | 0.19% | 0.47% | 1.14% | Beats 94% | 7 / 94 | |
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.02% | 0.05% | Beats 45% | 53 / 94 | |
| Capital |
| Tier 1 Capital Ratio | 14.87% | 10.28% | 11.95% | 15.07% | Beats 72% | 26 / 94 | |
| Total Risk-Based Capital Ratio | 15.76% | 10.31% | 12.59% | 15.88% | Beats 72% | 26 / 94 | |
| Equity / Assets | 9.41% | 8.98% | 10.21% | 11.41% | Beats 31% | 65 / 94 | |
| Liquidity & Funding |
| Loans / Deposits | 72.38% | 72.62% | 84.44% | 94.55% | 22nd pctl | 73 / 94 | |
| Loans / Assets | 65.23% | 62.50% | 72.84% | 78.99% | 31st pctl | 65 / 94 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |