What is First Southern Bank's financial health grade?

First Southern Bank has a TFS Financial Health Grade of D+ (score: 57.7/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does First Southern Bank have?

First Southern Bank has 10 branch locations across the United States.

Is First Southern Bank FDIC insured?

Yes, First Southern Bank is FDIC insured (Certificate #29332).

What are the total assets of First Southern Bank?

First Southern Bank has total assets of $732.2M as reported in its most recent FDIC filing.

First Southern Bank: Safety Grade & Financial Health

BankFlorence, Alabama

www.firstsouthern.com

Total Assets

$732.2M

Total Deposits

$621.2M

Branches

Established

1934

First Southern Bank is a bank headquartered in Florence, Alabama, established in 1934. It holds $732.2M in total assets across 10 branch locations. In our editorial opinion, based on public FDIC/NCUA data, First Southern Bank earns a TFS Financial Health Grade of D+ (57.7/100) — our editorial assessment, not an official rating or financial advice.

TFS Health Grade

D+

57.7 / 100

Below average financial health

How we grade

TFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.

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Capital & Safety

Tier 1 Capital Ratio

9.97%(8%)

Total Capital Ratio

0.00%(10%)

Non-Performing Loan Ratio

5.94%

Profitability

Return on Assets (ROA)

0.01%(1%)

Return on Equity (ROE)

0.14%(10%)

Net Interest Margin

3.63%

Efficiency Ratio

59.20%(60%)

Lending & Liquidity

Total Loans

$506.6M

Loan-to-Deposit Ratio

80.25%

Net Charge-Off Ratio

Other banks in Alabama

FLORENCE

Florence, AL

$66.6M

LAUDERDALE COUNTY TEACHERS

Florence, AL

$37.6M

Regions Bank

Bank

Birmingham, AL

$158.2B

ServisFirst Bank

Bank

Birmingham, AL

Branch	Address	City	State	Type
First Southern BankHQ	201 S Court Street	Florence	AL	11
First Southern Bank	1720 Us Highway 431	Boaz	AL	11
First Southern Bank	4350 County Road 47	Florence	AL	11
First Southern Bank	1455 Highway 72	Killen	AL	11
First Southern Bank	11809 Alabama Highway 157	Moulton	AL	11
First Southern Bank	1027 Avalon Ave	Muscle Shoals	AL	11
First Southern Bank	3809 East 9th Street	Texarkana	AR	11
First Southern Bank	612 E. Hathaway Avenue	Bronson	FL	11
First Southern Bank	644 West Ave	Clermont	FL	11
First Southern Bank	805 E Bankhead St	New Albany	MS	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Institution Details

Institution TypeBank

FDIC Certificate #29332

Primary RegulatorFDIC

FDIC/NCUA InsuredYes

Data sourced from FDIC / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.