TellerScore

First Southern Bank is a state-chartered bank headquartered in Waycross, Georgia, in business for about 119 years. At the end of Q2 2026 it reported $347.2M in total assets and $312.9M in deposits, with 1 office.

First Southern Bank has a TellerScore of 74 out of 100 (strong) based on Q2 2026 data — higher than 57% of its 2,650 banks with $100 million – $1 billion. Among 124 banks headquartered in Georgia, it ranks 64th. Loan quality contributes the most (100/100, 0.01%); earnings contributes the least (58/100, 0.94%).

TellerScore · Q2 2026

Scorecard

Capital cushion59/100
Tier 1 leverage ratio: 10.92%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.01%
Earnings58/100
Return on assets (annualized): 0.94%
Funding & liquidity63/100
Loans ÷ deposits and uninsured-deposit share: 71.7% · 38.6% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.07%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 2 points (72 → 74), mostly because the capital cushion component improved by 6 points.

TellerScore
445974Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202444
Q3 202470
Q4 202470
Q1 202572
Q2 202572
Q3 202573
Q4 202572
Q1 202674
Q2 202674
Tier 1 leverage ratio
5.00%7.97%10.93%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.56%
Q3 202410.02%
Q4 202410.04%
Q1 202510.23%
Q2 202510.29%
Q3 202510.52%
Q4 202510.57%
Q1 202610.93%
Q2 202610.92%
Noncurrent loans
0.00%1.31%2.62%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20242.62%
Q3 20240.03%
Q4 20240.00%
Q1 20250.00%
Q2 20250.00%
Q3 20250.00%
Q4 20250.01%
Q1 20260.04%
Q2 20260.01%
Return on assets
0.67%0.84%1.00%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.67%
Q3 20240.68%
Q4 20240.75%
Q1 20250.92%
Q2 20250.92%
Q3 20251.00%
Q4 20250.90%
Q1 20260.94%
Q2 20260.94%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202674$347.2M10.92%0.01%0.94%71.7%
Q1 202674$334.8M10.93%0.04%0.94%72.8%
Q4 202572$327.7M10.57%0.01%0.90%79.5%
Q3 202573$324.1M10.52%0.00%1.00%76.1%
Q2 202572$330.9M10.29%0.00%0.92%71.6%
Q1 202572$329.3M10.23%0.00%0.92%69.5%
Q4 202470$314.4M10.04%0.00%0.75%70.9%
Q3 202470$307.7M10.02%0.03%0.68%71.7%
Q2 202444$313.2M9.56%2.62%0.67%67.0%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.92%
49th
Total risk-based capital15.76%
72nd
Problem loans0.01%
85th
Net charge-offs0.04%
30th
Return on assets0.94%
31st
Net interest margin4.50%
80th
Efficiency ratio72.9%
24th
Loans to deposits71.7%
67th
Uninsured deposits38.6%
12th
Loan-loss reserves0.89%
17th
Texas ratio0.1%
86th

Similar-size banks in Georgia

InstitutionScoreAssetsCapitalProblem loansCompare
Flint Community BankBank Albany, GA54 out of 100, Below average$357.1M9.1%2.05%vs
First National Bank of Decatur CountyBank Bainbridge, GA55 out of 100, Moderate$359.6M7.4%0.36%vs
Altamaha Bank & Trust CompanyBank Vidalia, GA74 out of 100, Strong$334.1M10.2%0.32%vs
Bank of NewingtonBank Newington, GA69 out of 100, Moderate$333.8M9.1%0.48%vs
Rabun County BankBank Clayton, GA81 out of 100, Strong$361.5M10.5%0.05%vs
Douglas National BankBank Douglas, GA78 out of 100, Strong$326.9M10.3%0.10%vs

Deposit insurance

Is my money safe at First Southern Bank?

Yes. First Southern Bank is an FDIC-insured institution (FDIC certificate #10055). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 38.6% of deposits ($120.7M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.92%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.76% (benchmark: 10%).

Check how much of your own balance is covered

1 location

Branches

First Southern Bank lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
First Southern Bank
Former names
The Patterson Bank
Type
State-chartered bank
FDIC certificate #
10055
RSSD ID
631039
Primary regulator
FDIC
Holding company
Fsbh Corp
Established
June 19, 1907
Headquarters
930 Memorial Dr, Waycross, GA 31501
Employees
60

Quick answers

First Southern Bank: common questions

Is First Southern Bank FDIC insured?

Yes. First Southern Bank is an FDIC-insured institution (FDIC certificate #10055). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First Southern Bank's TellerScore?

74 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has First Southern Bank ever failed?

There is no failure record for FDIC certificate #10055 in the FDIC failed bank list.

How many branches does First Southern Bank have?

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Waycross

InstitutionScoreAssetsCapitalProblem loansCompare
Ware County School Employees Federal Credit UnionCredit union Waycross, GA86 out of 100, Very strong$6.3M14.1%0.00%vs
Southeastern BankBank Darien, GA86 out of 100, Very strong$624.9M13.4%0.38%vs
Altamaha Federal Credit UnionCredit union Jesup, GA83 out of 100, Strong$74.1M14.1%0.22%vs
Waycross Bank & TrustBank Waycross, GA79 out of 100, Strong$242.2M12.1%0.25%vs
Southeastern Credit UnionCredit union Valdosta, GA73 out of 100, Strong$440.7M10.8%0.41%vs
United Community BankBank Greenville, SC67 out of 100, Moderate$29.0B9.5%0.51%vs