BlastPoint's Banking Scorecard
First Southern Bank
Waycross, GA
7 branches across GA · FL
First Southern Bank has 2 strengths but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 5.7% in tier
- + Net Interest Margin 0.59% above tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 8.4% in tier
- - Credit Risk Growth: Bottom 15.6% in tier
- - Flatlined Growth: Bottom 49.0% in tier
- - ROA 0.33% below tier average
- - Efficiency Ratio 7.82% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$334.8M
+1.7% YoY
+2.2% QoQ
|
-$51.3M |
$386.1M
+0.5% YoY
|
$814.8M
+10.0% YoY
|
$6.2B
+9.1% YoY
|
52% |
| Total Loans ? |
$219.6M
+5.5% YoY
-4.2% QoQ
|
-$36.1M |
$255.7M
+1.1% YoY
|
$550.6M
+10.4% YoY
|
$3.2B
+10.8% YoY
|
53% |
| Total Deposits ? |
$301.6M
+0.7% YoY
+4.5% QoQ
|
-$26.4M |
$328.0M
+0.1% YoY
|
$689.3M
+8.9% YoY
|
$4.8B
+8.2% YoY
|
55% |
| Return on Assets ? |
0.94%
+1.9% YoY
+3.4% QoQ
|
-0.33% |
1.27%
+12.9% YoY
|
1.50%
+0.6% YoY
|
1.23%
+13.4% YoY
|
34% |
| Net Interest Margin ? |
4.52%
+1.5% YoY
-2.4% QoQ
|
+0.59% |
3.93%
+6.0% YoY
|
4.36%
+2.3% YoY
|
3.89%
+5.7% YoY
|
82% |
| Efficiency Ratio ? |
73.10%
+1.2% YoY
-1.0% QoQ
|
+7.82% |
65.29%
-4.5% YoY
|
62.13%
-1.5% YoY
|
66.95%
-4.1% YoY
|
26% |
| Delinquency Rate ? |
0.04%
+289.6% QoQ
|
-0.84% |
0.89%
+18.8% YoY
|
0.81%
+32.9% YoY
|
0.95%
+18.8% YoY
|
80% |
| Loan-to-Deposit Ratio ? |
72.81%
+4.8% YoY
-8.4% QoQ
|
-3.83% |
76.64%
+0.8% YoY
|
71.10%
+2.8% YoY
|
76.70%
+0.9% YoY
|
62% |
| Non-Interest-Bearing Deposit Share ? |
33.38%
-0.8% YoY
-4.0% QoQ
|
+11.36% |
22.02%
-1.0% YoY
|
26.76%
-3.7% YoY
|
22.01%
-1.2% YoY
|
Top 11.9% in tier |
| Nonperforming Asset Ratio ? |
0.03%
+265.2% QoQ
|
-0.61% |
0.64%
+19.7% YoY
|
0.56%
+24.4% YoY
|
0.67%
+19.3% YoY
|
81% |
| Tier 1 Capital Ratio ? |
14.79%
+3.5% YoY
+6.0% QoQ
|
-1.04% |
15.83%
+1.5% YoY
|
17.30%
-0.8% YoY
|
17.06%
+0.8% YoY
|
64% |
| Non-Interest Income / Assets ? |
0.10%
-12.8% YoY
-79.3% QoQ
|
-0.18% |
0.28%
+9.3% YoY
|
0.21%
+3.2% YoY
|
0.32%
+4.1% YoY
|
51% |
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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 (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (3)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.