First Southern Bank
Florence, AL · Cert 29332 · Peer group: banks under $1B in assets (n=581-629) · First Southern Bancshares Inc.
State charter, non-member · FDIC · 10 branches
Q2 2026
$679.2MAssets
$466.9MLoans
$577.1MDeposits
$59.7MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 50% of banks under $1B in assets (rank 313 of 629).
- Widest gap: total risk-based capital ratio trails 99% of banks under $1B in assets (rank 622 of 629).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
-2.57%
Rank 615 of 629
Net Interest Margin
3.16%
Rank 436 of 629
Efficiency Ratio
67.76%
Rank 313 of 629
Equity / Assets
8.79%
Rank 500 of 629
Non-interest income vs. expense
Unfavorable gap of $13.9M · efficiency ratio beats 50% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | -2.57% | 0.60% | 1.01% | 1.45% | Beats 2% | 615 / 629 | | |
| Return on Equity | -29.29% | 5.38% | 9.30% | 13.28% | Beats 1% | 621 / 629 | | |
| Net Interest Margin | 3.16% | 3.03% | 3.54% | 4.05% | Beats 31% | 436 / 629 | | |
| Efficiency Ratio | 67.76% | 58.35% | 67.79% | 79.08% | Beats 50% | 313 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 10.86% | 0.09% | 0.46% | 1.20% | Beats 1% | 579 / 581 | | |
| Net Charge-Offs / Loans | 2.51% | n/a | 0.01% | 0.06% | Beats 1% | 579 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 8.95% | 11.24% | 13.84% | 18.77% | Beats 1% | 622 / 629 | | |
| Total Risk-Based Capital Ratio | 8.95% | 11.58% | 14.43% | 19.66% | Beats 1% | 622 / 629 | | |
| Equity / Assets | 8.79% | 9.09% | 10.65% | 13.80% | Beats 21% | 500 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 80.90% | 67.24% | 80.90% | 93.48% | 50th pctl | 297 / 594 | | |
| Loans / Assets | 68.74% | 53.31% | 67.71% | 78.15% | 52nd pctl | 300 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |