What is First Southern Bank's financial health grade?

First Southern Bank has a TFS Financial Health Grade of C (score: 75.8/100). 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 7 branch locations across the United States.

Is First Southern Bank FDIC insured?

Yes, First Southern Bank is FDIC insured (Certificate #10055).

What are the total assets of First Southern Bank?

First Southern Bank has total assets of $327.7M as reported in its most recent FDIC filing.

First Southern Bank

BankWaycross, Georgia

www.fsb-bank.bank

Total Assets

$327.7M

Total Deposits

$288.5M

Branches

Established

1907

TFS Health Grade

75.8 / 100

Average financial health

How we grade

First Southern Bank is a bank headquartered in Waycross, Georgia, established in 1907. With $327.7M in total assets and 7 branch locations, it has a TFS Financial Health Grade of C (75.8/100).

Capital & Safety

Tier 1 Capital Ratio

10.57%(8%)

Total Capital Ratio

14.84%(10%)

Non-Performing Loan Ratio

0.01%

Profitability

Return on Assets (ROA)

0.90%(1%)

Return on Equity (ROE)

10.10%(10%)

Net Interest Margin

4.62%

Efficiency Ratio

73.82%(60%)

Lending & Liquidity

Total Loans

$231.4M

Loan-to-Deposit Ratio

79.50%

Net Charge-Off Ratio

0.00%

Growth

Asset Growth (YoY)

+4.24%

Deposit Growth (YoY)

+1.02%

Net Income

$2.9M

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.

Branch	Address	City	State	Type
First Southern BankHQ	930 Memorial Dr	Waycross	GA	11
First Southern Bank	1825 Manatee Ave W	Bradenton	FL	11
First Southern Bank	205 W Center Ave	Sebring	FL	11
First Southern Bank	2522 Se Willoughby Blvd	Stuart	FL	11
First Southern Bank	221 Ware St	Blackshear	GA	11
First Southern Bank	927 S 1st St	Jesup	GA	11
First Southern Bank	6365 Us 84	Patterson	GA	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.