First Southern Bank
Waycross, GA · Cert 10055 · Peer group: banks under $1B in assets operating regionally (n=99) · 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 99).
- Widest gap: efficiency ratio trails 74% of banks under $1B in assets operating regionally (rank 74 of 99).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.91%
Rank 69 of 99
Net Interest Margin
4.24%
Rank 23 of 99
Efficiency Ratio
72.90%
Rank 74 of 99
Equity / Assets
9.41%
Rank 67 of 99
Non-interest income vs. expense
Unfavorable gap of $9.9M · efficiency ratio beats 26% of banks under $1B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.91% | 0.82% | 1.19% | 1.48% | Beats 30% | 69 / 99 | | |
| Return on Equity | 9.72% | 7.92% | 11.87% | 14.08% | Beats 32% | 67 / 99 | | |
| Net Interest Margin | 4.24% | 3.44% | 3.80% | 4.18% | Beats 77% | 23 / 99 | | |
| Efficiency Ratio | 72.90% | 55.83% | 62.41% | 73.02% | Beats 26% | 74 / 99 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.01% | 0.19% | 0.46% | 1.04% | Beats 94% | 7 / 99 | | |
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.02% | 0.06% | Beats 46% | 54 / 99 | | |
| Capital |
| Tier 1 Capital Ratio | 14.87% | 10.28% | 11.95% | 14.75% | Beats 77% | 23 / 99 | | |
| Total Risk-Based Capital Ratio | 15.76% | 10.45% | 12.59% | 15.64% | Beats 77% | 23 / 99 | | |
| Equity / Assets | 9.41% | 8.89% | 10.14% | 11.36% | Beats 32% | 67 / 99 | | |
| Liquidity & Funding |
| Loans / Deposits | 72.38% | 74.57% | 84.03% | 94.55% | 21st pctl | 78 / 99 | | |
| Loans / Assets | 65.23% | 62.55% | 71.25% | 78.99% | 29th pctl | 70 / 99 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |