TellerScore

First Southern Bank is a state-chartered bank headquartered in Florence, Alabama, in business for about 92 years. At the end of Q2 2026 it reported $679.2M in total assets and $577.1M in deposits, with 11 offices across 4 states.

First Southern Bank has a TellerScore of 18 out of 100 (low) based on Q2 2026 data — higher than only 0% of its 2,650 banks with $100 million – $1 billion. Among 93 banks headquartered in Alabama, it ranks 93rd. Funding & liquidity contributes the most (40/100, 79% loans-to-deposits, 53% uninsured); problem-loan coverage contributes the least (0/100, 70.5%).

TellerScore · Q2 2026

Scorecard

Capital cushion39/100
Tier 1 leverage ratio: 8.95%
Loan quality0/100
Noncurrent loans ÷ total loans: 10.86%
Earnings0/100
Return on assets (annualized): -2.50%
Funding & liquidity40/100
Loans ÷ deposits and uninsured-deposit share: 78.7% · 52.8% uninsured
Problem-loan coverage0/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 70.54%

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 fell 8 points (26 → 18), mostly because the earnings component weakened by 22 points.

TellerScore
174266Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202465
Q3 202466
Q4 202439
Q1 202528
Q2 202526
Q3 202526
Q4 202527
Q1 202617
Q2 202618
Tier 1 leverage ratio
5.00%7.68%10.36%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.31%
Q3 202410.31%
Q4 202410.32%
Q1 202510.36%
Q2 202510.31%
Q3 202510.17%
Q4 20259.97%
Q1 20268.66%
Q2 20268.95%
Noncurrent loans
0.33%5.60%10.86%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.34%
Q3 20240.33%
Q4 20243.02%
Q1 20255.85%
Q2 20255.73%
Q3 20256.34%
Q4 20255.94%
Q1 20267.38%
Q2 202610.86%
Return on assets
-4.34%-1.53%1.27%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.20%
Q3 20241.27%
Q4 20241.20%
Q1 20250.30%
Q2 20250.05%
Q3 20250.06%
Q4 20250.01%
Q1 2026-4.34%
Q2 2026-2.50%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202618$679.2M8.95%10.86%-2.50%78.7%
Q1 202617$685.1M8.66%7.38%-4.34%79.3%
Q4 202527$732.2M9.97%5.94%0.01%80.3%
Q3 202526$677.6M10.17%6.34%0.06%90.0%
Q2 202526$651.9M10.31%5.73%0.05%96.1%
Q1 202528$648.0M10.36%5.85%0.30%99.1%
Q4 202439$679.1M10.32%3.02%1.20%95.3%
Q3 202466$638.4M10.31%0.33%1.27%101.6%
Q2 202465$628.5M10.31%0.34%1.20%101.4%

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 ratio8.95%
12th
Total risk-based capital0.00%
24th
Problem loans10.86%
0th
Net charge-offs4.60%
0th
Return on assets-2.50%
0th
Net interest margin3.25%
18th
Efficiency ratio67.8%
35th
Loans to deposits78.7%
52nd
Uninsured deposits52.8%
3rd
Loan-loss reserves2.66%
98th
Texas ratio70.5%
0th

Similar-size banks in Alabama

InstitutionScoreAssetsCapitalProblem loansCompare
First Community Bank of Central AlabamaBank Wetumpka, AL74 out of 100, Strong$694.3M8.6%0.10%vs
CCB Community BankBank Andalusia, AL79 out of 100, Strong$661.9M10.5%0.19%vs
The Hometown Bank of AlabamaBank Oneonta, AL57 out of 100, Moderate$660.7M11.1%2.03%vs
MidSouth BankBank Dothan, AL66 out of 100, Moderate$771.5M9.3%0.28%vs
Merit BankBank Huntsville, AL64 out of 100, Moderate$581.6M9.7%0.00%vs
EvaBankBank Eva, AL78 out of 100, Strong$490.6M27.8%1.61%vs

Deposit insurance

Is my money safe at First Southern Bank?

Yes. First Southern Bank is an FDIC-insured institution (FDIC certificate #29332). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 52.8% of deposits ($304.7M) 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 8.95%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

11 locations

Branches

First Southern Bank lists 11 offices in 9 cities across 4 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, First Southern Bank reported 99 home-loan applications under HMDA (LEI 254900P4A09O6AABF892): 78 originated ($16,810,000 total), 7 denied, and 14 withdrawn or closed by the applicant. Its denial rate on decided applications was 8.2%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
First Southern Bank
Former names
First Federal Savings and Loan Association
Type
State-chartered bank
FDIC certificate #
29332
RSSD ID
66275
Primary regulator
FDIC
Holding company
First Southern Bancshares Inc
Established
January 1, 1934
Headquarters
201 S Court Street, Florence, AL 35630
Employees
105

Quick answers

First Southern Bank: common questions

Is First Southern Bank FDIC insured?

Yes. First Southern Bank is an FDIC-insured institution (FDIC certificate #29332). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First Southern Bank's TellerScore?

18 out of 100 (Low), 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 #29332 in the FDIC failed bank list.

How many branches does First Southern Bank have?

11 offices as of the latest FDIC data, in 4 states.

Nearby

Highest-scoring banks and credit unions with branches near Florence

InstitutionScoreAssetsCapitalProblem loansCompare
Electrical Workers No 558 Federal Credit UnionCredit union Sheffield, AL99 out of 100, Very strong$45.9M20.5%0.00%vs
Family Security Credit UnionCredit union Decatur, AL95 out of 100, Very strong$1.1B19.9%0.61%vs
TVA Community Credit UnionCredit union Muscle Shoals, AL90 out of 100, Very strong$429.0M18.4%0.32%vs
Lauderdale County Teachers Credit UnionCredit union Florence, AL90 out of 100, Very strong$38.5M12.8%0.00%vs
First Metro BankBank Muscle Shoals, AL84 out of 100, Strong$1.0B13.0%0.13%vs
Valley Credit UnionCredit union Tuscumbia, AL84 out of 100, Strong$112.9M14.0%0.20%vs