First Southern Bank

BankColumbia, Mississippi
www.fsb-ms.com

Total Assets

$294.8M

Total Deposits

$249.8M

Branches

6

Established

1960

TFS Health Grade

$
C-

70.2 / 100

Average financial health

How we grade

First Southern Bank is a bank headquartered in Columbia, Mississippi, established in 1960. With $294.8M in total assets and 6 branch locations, it has a TFS Financial Health Grade of C- (70.2/100).

Capital & Safety

Tier 1 Capital Ratio
11.17%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
0.05%

Profitability

Return on Assets (ROA)
1.83%(1%)
Return on Equity (ROE)
18.95%(10%)
Net Interest Margin
4.60%
Efficiency Ratio
62.83%(60%)

Lending & Liquidity

Total Loans
$156.4M
Loan-to-Deposit Ratio
61.77%
Net Charge-Off Ratio
0.07%

Growth

Asset Growth (YoY)
+9.23%
Deposit Growth (YoY)
+2.59%
Net Income
$5.3M

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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