First Southern Bank (FDIC certificate #31158) is based in Columbia, Mississippi. Its Q2 2026 call report shows $317.3M in total assets and $271.4M in deposits and 6 offices.
Based on its Q2 2026 filing, First Southern Bank scores 83/100, which we describe as strong. That is higher than 84% of 2,650 banks with $100 million – $1 billion. Among 57 banks headquartered in Mississippi, it ranks 6th. Its strongest component is loan quality (100/100; 0.00%), and its lowest is capital cushion (56/100; 10.57%).
TellerScore · Q2 2026
Scorecard
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 11 points (72 → 83), mostly because the loan quality component improved by 24 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 82 |
| Q3 2024 | 78 |
| Q4 2024 | 78 |
| Q1 2025 | 75 |
| Q2 2025 | 72 |
| Q3 2025 | 78 |
| Q4 2025 | 84 |
| Q1 2026 | 83 |
| Q2 2026 | 83 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.32% |
| Q3 2024 | 11.51% |
| Q4 2024 | 11.45% |
| Q1 2025 | 10.95% |
| Q2 2025 | 10.21% |
| Q3 2025 | 10.88% |
| Q4 2025 | 11.17% |
| Q1 2026 | 10.67% |
| Q2 2026 | 10.57% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.08% |
| Q3 2024 | 0.74% |
| Q4 2024 | 0.73% |
| Q1 2025 | 0.85% |
| Q2 2025 | 0.72% |
| Q3 2025 | 0.67% |
| Q4 2025 | 0.05% |
| Q1 2026 | 0.02% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.62% |
| Q3 2024 | 1.72% |
| Q4 2024 | 1.79% |
| Q1 2025 | 1.71% |
| Q2 2025 | 1.68% |
| Q3 2025 | 1.83% |
| Q4 2025 | 1.83% |
| Q1 2026 | 1.90% |
| Q2 2026 | 1.89% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 83 | $317.3M | 10.57% | 0.00% | 1.89% | 54.2% |
| Q1 2026 | 83 | $309.0M | 10.67% | 0.02% | 1.90% | 57.2% |
| Q4 2025 | 84 | $294.8M | 11.17% | 0.05% | 1.83% | 61.8% |
| Q3 2025 | 78 | $284.8M | 10.88% | 0.67% | 1.83% | 62.4% |
| Q2 2025 | 72 | $330.9M | 10.21% | 0.72% | 1.68% | 48.6% |
| Q1 2025 | 75 | $278.4M | 10.95% | 0.85% | 1.71% | 57.9% |
| Q4 2024 | 78 | $269.9M | 11.45% | 0.73% | 1.79% | 60.6% |
| Q3 2024 | 78 | $255.3M | 11.51% | 0.74% | 1.72% | 63.6% |
| Q2 2024 | 82 | $257.5M | 11.32% | 0.08% | 1.62% | 62.8% |
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).
Similar-size banks in Mississippi
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Bank of Yazoo CityBank Yazoo City, MS | 79 out of 100, Strong | $318.2M | 12.0% | 0.01% | vs |
| Copiah BankBank Hazlehurst, MS | 78 out of 100, Strong | $332.2M | 11.8% | 0.19% | vs |
| Bank of FranklinBank Meadville, MS | 70 out of 100, Strong | $302.3M | 9.9% | 0.27% | vs |
| The Bank of ForestBank Forest, MS | 68 out of 100, Moderate | $296.3M | 10.9% | 1.30% | vs |
| The Commercial BankBank De Kalb, MS | 72 out of 100, Strong | $295.5M | 10.6% | 0.25% | vs |
| The Cleveland State BankBank Cleveland, MS | 76 out of 100, Strong | $340.2M | 11.2% | 0.26% | vs |
Deposit insurance
Is my money safe at First Southern Bank?
Yes. First Southern Bank is an FDIC-insured institution (FDIC certificate #31158). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 34.1% of deposits ($92.5M) 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 10.57%, well 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%).
6 locations
Branches
First Southern Bank lists 6 offices in 5 cities. Most locations:
- Columbia, MS (2)
- Hattiesburg, MS (1)
- Petal, MS (1)
- Picayune, MS (1)
- Richton, MS (1)
Identity & history
Profile
- Legal name
- First Southern Bank
- Former names
- First Federal Bank for Savings; 1ST Federal Bank for Savings; First Federal Savings and Loan Association of Marion Co
- Type
- State-chartered bank
- FDIC certificate #
- 31158
- RSSD ID
- 954671
- Primary regulator
- FDIC
- Holding company
- First Federal Bcorp
- Established
- March 28, 1960
- Headquarters
- 1075 Highway 98 Byp, Columbia, MS 39429
- Website
- www.fsb-ms.com
- Employees
- 68
Quick answers
First Southern Bank: common questions
Is First Southern Bank FDIC insured?
Yes. First Southern Bank is an FDIC-insured institution (FDIC certificate #31158). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is First Southern Bank's TellerScore?
83 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 #31158 in the FDIC failed bank list.
How many branches does First Southern Bank have?
6 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Columbia
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Citizens BankBank Columbia, MS | 90 out of 100, Very strong | $466.3M | 13.5% | 0.33% | vs |
| Zellco Federal Credit UnionCredit union Bogalusa, LA | 89 out of 100, Very strong | $94.5M | 31.9% | 0.73% | vs |
| Sunbelt Federal Credit UnionCredit union Hattiesburg, MS | 85 out of 100, Very strong | $366.4M | 16.2% | 0.39% | vs |
| Citizens Savings BankBank Bogalusa, LA | 81 out of 100, Strong | $329.1M | 14.3% | 0.74% | vs |
| Pike National BankBank Mccomb, MS | 72 out of 100, Strong | $408.8M | 11.7% | 0.59% | vs |
| BankPlusBank Belzoni, MS | 71 out of 100, Strong | $8.4B | 10.8% | 0.64% | vs |