BlastPoint's Banking Scorecard

First Southern Bank

$100M-$1B Specialty: Commercial GA FDIC cert 10055

Waycross, GA

7 branches across GA · FL

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 96 in GA.
Deposits +4.2% year over year ($312.9M on the books).
Delinquency rate 0.01%.
Return on assets 0.94%.
Efficiency ratio 72.90% vs a 64.48% peer average.
Loan-to-deposit ratio 71.74% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 96 in GA

View $100M-$1B leaderboard (GA) →

First Southern Bank has 2 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Credit Quality Leader: Top 17.9% in tier
+ Net Interest Margin 0.51% above tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 2.1% in tier
- Credit Risk Growth: Bottom 9.6% in tier
- ROA 0.38% below tier average
- Efficiency Ratio 8.42% above tier average

Get updates when First Southern Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Total Assets ?	$347.2M +4.9% YoY +3.7% QoQ	-$39.4M	$386.6M +1.2% YoY	$843.5M +13.2% YoY	$6.3B +7.7% YoY	54%
Total Loans ?	$224.5M +4.5% YoY +2.2% QoQ	-$33.9M	$258.3M +1.7% YoY	$581.6M +14.3% YoY	$3.2B +9.4% YoY	53%
Total Deposits ?	$312.9M +4.2% YoY +3.8% QoQ	-$13.8M	$326.7M +0.7% YoY	$711.6M +12.3% YoY	$4.9B +7.3% YoY	57%
Return on Assets ?	0.94% +2.3% YoY +0.8% QoQ	-0.38%	1.32% +10.8% YoY	1.55% +0.3% YoY	1.30% +12.1% YoY	31%
Net Interest Margin ?	4.50% +0.6% YoY -0.4% QoQ	+0.51%	3.99% +5.0% YoY	4.42% +1.2% YoY	3.95% +4.9% YoY	80%
Efficiency Ratio ?	72.90% +1.0% YoY -0.3% QoQ	+8.42%	64.48% -3.2% YoY	63.07% +1.6% YoY	70.05% +2.5% YoY	24%
Delinquency Rate ?	0.01% -73.8% QoQ	-0.91%	0.92% +15.7% YoY	0.77% +14.9% YoY	0.98% +16.3% YoY	Top 14.7% in tier
Loan-to-Deposit Ratio ?	71.74% +0.3% YoY -1.5% QoQ	-6.22%	77.95% +1.0% YoY	78.13% +10.7% YoY	79.03% +2.3% YoY	67%
Non-Interest-Bearing Deposit Share ?	33.00% -5.3% YoY -1.1% QoQ	+10.97%	22.03% -0.6% YoY	26.00% -3.3% YoY	21.98% -0.6% YoY	Top 12.6% in tier
Nonperforming Asset Ratio ?	0.01% -74.2% QoQ	-0.66%	0.67% +16.4% YoY	0.54% +11.1% YoY	0.69% +15.8% YoY	Top 13.3% in tier
Tier 1 Capital Ratio ?	14.87% +4.4% YoY +0.6% QoQ	-1.04%	15.91% +1.4% YoY	19.50% +7.6% YoY	17.09% +0.8% YoY	65%
Non-Interest Income / Assets ?	0.20% -9.2% YoY +102.5% QoQ	-0.37%	0.57% +7.6% YoY	0.44% +3.6% YoY	0.66% +5.2% YoY	49%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Noninterest-Bearing	33.0% -1.9pp YoY -0.4pp QoQ	+10.8pp	22.1%	26.2%	22.2%	87%
Brokered Deposits	n/a	n/a	7.9%	7.5%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
C&I	10.5% -1.9pp YoY -1.2pp QoQ	-1.1pp	11.6%	9.7%	12.5%	55%
CRE	53.4% +3.3pp YoY +1.5pp QoQ	+13.8pp	39.5%	48.9%	41.4%	75%
1-4 Family	29.6% +1.4pp YoY -0.1pp QoQ	-3.1pp	32.6%	31.7%	31.3%	50%
Consumer	1.5% -0.5pp YoY -0.2pp QoQ	-2.6pp	4.1%	4.8%	5.0%	39%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
CET1 Ratio	14.9% +0.6pp YoY +0.1pp QoQ	-4.0pp	18.8%	20.9%	19.7%	48%
Leverage Ratio	10.9% +0.6pp YoY 0.0pp QoQ	-1.3pp	12.2%	14.0%	12.6%	49%
Total Capital Ratio	15.8% +0.6pp YoY 0.0pp QoQ	-4.2pp	19.9%	22.1%	20.8%	45%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Full-Time Employees	60 -1 (-1.6%) YoY 0 QoQ	+1	58	98	482	63%
Assets per Employee ($)	$5.8M +6.7% YoY +3.7% QoQ	-$1.7M	$7.5M	$7.5M	$8.8M	29%
Branch Count	7 +1 (+16.7%) YoY 0 QoQ	+2	4	6	18	75%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.1%	0.4%	n/a
Nonaccrual	0.0% 0.0pp QoQ	-0.9pp	0.9%	0.8%	1.0%	4%
Allowance Coverage	77.42x +264.9% QoQ	+53.27x	24.15x	38.10x	20.23x	96%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	65%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
ROE	10.0% -0.6pp YoY +0.1pp QoQ	-2.2pp	12.2%	13.6%	11.6%	37%
Cost of Funds (YTD)	1.2% 0.0pp YoY +0.1pp QoQ	-0.5pp	1.7%	1.6%	1.7%	20%
Net Income ($, YTD)	$1.6M +5.9% YoY — QoQ	-$968K	$2.6M	$6.6M	$40.4M	44%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Credit Quality Leader

growth

#119 of 659 • Top 17.9% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.01%

(Tier: 0.92%, National: 0.98%)

better than tier avg

659 of 659 Community banks match · 920 nationally

→ Stable +1 banks QoQ | QoQ rank declining

Concerns (2)

Credit Quality Pressure

risk

#27 of 1256 • Bottom 2.1% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.01%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ | QoQ rank improving

Credit Risk Growth

risk

#91 of 936 • Bottom 9.6% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally

→ Stable -58 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

333

Non-Interest-Bearing Deposit Share

funding

Value: 33.00%

Peer Median: 22.03%

#333 of 2643 Top 12.6% in $100M-$1B

353

Nonperforming Asset Ratio

credit_quality

Value: 0.01%

Peer Median: 0.67%

#353 of 2643 Top 13.3% in $100M-$1B

388

Delinquency Rate

credit_quality

Value: 0.01%

Peer Median: 0.92%

#388 of 2633 Top 14.7% in $100M-$1B

537

Net Interest Margin

profitability

Value: 4.50%

Peer Median: 3.99%

#537 of 2643 Top 20.3% in $100M-$1B

Top Weaknesses (1 metrics)

2006

Efficiency Ratio

profitability

Value: 72.90%

Peer Median: 64.48%

#2006 of 2643 Bottom 24.1% in $100M-$1B