BlastPoint's Banking Scorecard

First Southern Bank

$100M-$1B Specialty: Agricultural AL FDIC cert 29332

Florence, AL

10 branches across AL · FL · AR · MS

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 63 in AL.
Deposits +6.4% year over year ($577.1M on the books).
Delinquency rate 11.16%.
Return on assets -2.50%.
Efficiency ratio 67.76% vs a 64.48% peer average.
Loan-to-deposit ratio 78.75% 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 63 in AL

View $100M-$1B leaderboard (AL) →

First Southern Bank faces 7 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 25.7% in tier
- Return on Assets 3.82% below tier average
- Delinquency Rate 10.24% above tier average
- Non-Interest-Bearing Deposit Share 15.39% below tier average
- Nonperforming Asset Ratio 6.82% above tier average
- Net Interest Margin 0.73% below tier average
- Efficiency Ratio 3.28% above tier average

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
Total Assets ?	$679.2M +4.2% YoY -0.9% QoQ	+$292.6M	$386.6M +1.2% YoY	$2.5B +1.5% YoY	$6.3B +7.7% YoY	Top 13.6% in tier
Total Loans ?	$454.4M -12.9% YoY -1.6% QoQ	+$196.1M	$258.3M +1.7% YoY	$1.6B +2.8% YoY	$3.2B +9.4% YoY	85%
Total Deposits ?	$577.1M +6.4% YoY -0.9% QoQ	+$250.4M	$326.7M +0.7% YoY	$2.1B +0.3% YoY	$4.9B +7.3% YoY	Top 13.9% in tier
Return on Assets ?	-2.50% +42.4% QoQ	-3.82%	1.32% +10.8% YoY	0.89% -13.0% YoY	1.30% +12.1% YoY	Bottom 0.5% in tier
Net Interest Margin ?	3.25% -8.9% YoY -4.3% QoQ	-0.73%	3.99% +5.0% YoY	4.02% +3.4% YoY	3.95% +4.9% YoY	18%
Efficiency Ratio ?	67.76% +7.0% YoY +9.5% QoQ	+3.28%	64.48% -3.2% YoY	69.53% +4.0% YoY	70.05% +2.5% YoY	35%
Delinquency Rate ?	11.16% +92.5% YoY +48.3% QoQ	+10.24%	0.92% +15.7% YoY	1.13% +25.5% YoY	0.98% +16.3% YoY	Bottom 0.3% in tier
Loan-to-Deposit Ratio ?	78.75% -18.1% YoY -0.7% QoQ	+0.80%	77.95% +1.0% YoY	67.62% +0.9% YoY	79.03% +2.3% YoY	52%
Non-Interest-Bearing Deposit Share ?	6.64% -23.1% YoY -0.2% QoQ	-15.39%	22.03% -0.6% YoY	24.04% +0.1% YoY	21.98% -0.6% YoY	Bottom 5.4% in tier
Nonperforming Asset Ratio ?	7.49% +61.6% YoY +47.0% QoQ	+6.82%	0.67% +16.4% YoY	0.74% +25.2% YoY	0.69% +15.8% YoY	Bottom 0.3% in tier
Tier 1 Capital Ratio ?	8.95% -13.2% YoY +3.3% QoQ	-6.96%	15.91% +1.4% YoY	15.01% +1.3% YoY	17.09% +0.8% YoY	Bottom 0.7% in tier
Non-Interest Income / Assets ?	0.12% +7.4% YoY +120.7% QoQ	-0.44%	0.57% +7.6% YoY	0.35% -14.4% YoY	0.66% +5.2% YoY	26%

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 (AL)	National Avg	Tier Percentile
Noninterest-Bearing	6.6% -2.0pp YoY 0.0pp QoQ	-15.5pp	22.1%	24.0%	22.2%	5%
Brokered Deposits	n/a	n/a	7.9%	5.5%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
C&I	13.2% +1.3pp YoY +1.4pp QoQ	+1.7pp	11.6%	16.9%	12.5%	69%
CRE	32.3% +4.5pp YoY +1.1pp QoQ	-7.3pp	39.5%	43.5%	41.4%	39%
1-4 Family	21.5% +1.9pp YoY +0.4pp QoQ	-11.1pp	32.6%	30.6%	31.3%	34%
Consumer	0.7% +0.2pp YoY +0.3pp QoQ	-3.4pp	4.1%	5.7%	5.0%	22%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	15.1%	19.7%	n/a
Leverage Ratio	8.9% -1.4pp YoY +0.3pp QoQ	-3.2pp	12.2%	13.2%	12.6%	12%
Total Capital Ratio	n/a	n/a	19.9%	16.2%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
Full-Time Employees	105 +2 (+1.9%) YoY -1 (-0.9%) QoQ	+46	58	304	482	88%
Assets per Employee ($)	$6.5M +2.2% YoY +0.1% QoQ	-$1.1M	$7.5M	$6.9M	$8.8M	42%
Branch Count	10 0 YoY 0 QoQ	+5	4	20	18	90%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
Past Due 90+ Days	0.1% -0.1pp YoY 0.0pp QoQ	-0.3pp	0.3%	0.2%	0.4%	42%
Nonaccrual	11.1% +5.4pp YoY +3.6pp QoQ	+10.2pp	0.9%	1.2%	1.0%	100%
Allowance Coverage	0.24x +32.0% YoY -4.6% QoQ	-23.91x	24.15x	7.50x	20.23x	2%
Net Charge-off Rate (YTD)	4.6% +2.6pp YoY -5.0pp QoQ	+4.5pp	0.1%	0.3%	0.2%	100%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
ROE	-27.8% -28.3pp YoY +19.8pp QoQ	-40.0pp	12.2%	10.0%	11.6%	0%
Cost of Funds (YTD)	2.4% -0.2pp YoY 0.0pp QoQ	+0.7pp	1.7%	1.7%	1.7%	87%
Net Income ($, YTD)	$-8743000.0 -5153.8% YoY — QoQ	-$11.3M	$2.6M	$17.2M	$40.4M	0%

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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 (0)

No matched strength signatures this quarter

Concerns (1)

Capital Thin

risk

#171 of 661 • Bottom 25.7% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 8.95%

(Tier: 15.91%, National: 17.09%)

worse than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | 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 (3 metrics)

360

Total Assets

size

Value: $679.15M

Peer Median: $386.57M

#360 of 2643 Top 13.6% in $100M-$1B

368

Total Deposits

size

Value: $577.09M

Peer Median: $326.73M

#368 of 2643 Top 13.9% in $100M-$1B

406

Total Loans

size

Value: $454.45M

Peer Median: $258.35M

#406 of 2643 Top 15.3% in $100M-$1B

Top Weaknesses (6 metrics)

2637

Nonperforming Asset Ratio

credit_quality

Value: 7.49%

Peer Median: 0.67%

#2637 of 2643 Bottom 0.3% in $100M-$1B

2627

Delinquency Rate

credit_quality

Value: 11.16%

Peer Median: 0.92%

#2627 of 2633 Bottom 0.3% in $100M-$1B

2631

Return on Assets

profitability

Value: -2.50%

Peer Median: 1.32%

#2631 of 2643 Bottom 0.5% in $100M-$1B

2625

Tier 1 Capital Ratio

capital

Value: 8.95%

Peer Median: 15.91%

#2625 of 2643 Bottom 0.7% in $100M-$1B

2501

Non-Interest-Bearing Deposit Share

funding

Value: 6.64%

Peer Median: 22.03%

#2501 of 2643 Bottom 5.4% in $100M-$1B

2172

Net Interest Margin

profitability

Value: 3.25%

Peer Median: 3.99%

#2172 of 2643 Bottom 17.9% in $100M-$1B