First Southern Bank

BankFlorence, Alabama
www.firstsouthern.com

Total Assets

$732.2M

Total Deposits

$621.2M

Branches

10

Established

1934

TFS Health Grade

$
F

50.0 / 100

Poor financial health

How we grade

First Southern Bank is a bank headquartered in Florence, Alabama, established in 1934. With $732.2M in total assets and 10 branch locations, it has a TFS Financial Health Grade of F (50.0/100).

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
1.69%

Growth

Asset Growth (YoY)
+7.81%
Deposit Growth (YoY)
+8.96%
Net Income
$97.0K

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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