First Southern Bank
Columbia, MS · Cert 31158 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · First Federal Bcorp
State charter, non-member · FDIC · 6 branches
Q2 2026
$317.3MAssets
$149.1MLoans
$271.4MDeposits
$31.4MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 105 of 743).
- Widest gap: total risk-based capital ratio trails 87% of banks under $1B in assets operating in a single state (rank 646 of 746).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.43%
Rank 196 of 746
Net Interest Margin
4.17%
Rank 182 of 746
Efficiency Ratio
61.56%
Rank 308 of 746
Equity / Assets
9.89%
Rank 440 of 746
Non-interest income vs. expense
Unfavorable gap of $7.3M · efficiency ratio beats 59% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.43% | 0.72% | 1.06% | 1.45% | Beats 74% | 196 / 746 | |
| Return on Equity | 14.48% | 6.74% | 10.51% | 13.63% | Beats 80% | 147 / 746 | |
| Net Interest Margin | 4.17% | 3.17% | 3.68% | 4.16% | Beats 76% | 182 / 746 | |
| Efficiency Ratio | 61.56% | 55.74% | 64.58% | 75.47% | Beats 59% | 308 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.42% | 1.07% | Beats 100% | 105 / 743 | |
| Net Charge-Offs / Loans | 0.06% | 0.00% | 0.01% | 0.05% | Beats 23% | 570 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 10.57% | 11.55% | 13.75% | 17.60% | Beats 15% | 636 / 746 | |
| Total Risk-Based Capital Ratio | 10.57% | 11.71% | 14.33% | 18.43% | Beats 13% | 646 / 746 | |
| Equity / Assets | 9.89% | 8.90% | 10.51% | 13.06% | Beats 41% | 440 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 54.92% | 61.31% | 78.27% | 90.78% | 17th pctl | 620 / 746 | |
| Loans / Assets | 46.98% | 53.60% | 66.97% | 76.08% | 16th pctl | 624 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |