BlastPoint's Banking Scorecard
First Southern Bank
Florence, AL
10 branches across AL · FL · AR · MS
First Southern Bank has 1 strength but faces 6 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 3.42% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 36.6% in tier
- - Return on Assets 5.61% below tier average
- - Delinquency Rate 6.63% above tier average
- - Non-Interest-Bearing Deposit Share 15.37% below tier average
- - Nonperforming Asset Ratio 4.46% above tier average
- - Net Interest Margin 0.53% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$685.1M
+5.7% YoY
-6.4% QoQ
|
+$299.0M |
$386.1M
+0.5% YoY
|
$2.5B
+0.2% YoY
|
$6.2B
+9.1% YoY
|
Top 13.2% in tier |
| Total Loans ? |
$461.9M
-13.5% YoY
-7.4% QoQ
|
+$206.2M |
$255.7M
+1.1% YoY
|
$1.5B
+2.4% YoY
|
$3.2B
+10.8% YoY
|
Top 14.5% in tier |
| Total Deposits ? |
$582.2M
+8.1% YoY
-6.3% QoQ
|
+$254.3M |
$328.0M
+0.1% YoY
|
$2.1B
-0.2% YoY
|
$4.8B
+8.2% YoY
|
Top 13.7% in tier |
| Return on Assets ? | -4.34% | -5.61% |
1.27%
+12.9% YoY
|
0.78%
-19.5% YoY
|
1.23%
+13.4% YoY
|
Bottom 0.3% in tier |
| Net Interest Margin ? |
3.40%
+5.6% YoY
-6.2% QoQ
|
-0.53% |
3.93%
+6.0% YoY
|
3.99%
+5.2% YoY
|
3.89%
+5.7% YoY
|
26% |
| Efficiency Ratio ? |
61.87%
-5.8% YoY
+4.5% QoQ
|
-3.42% |
65.29%
-4.5% YoY
|
72.13%
+5.1% YoY
|
66.95%
-4.1% YoY
|
54% |
| Delinquency Rate ? |
7.52%
+26.9% YoY
+24.6% QoQ
|
+6.63% |
0.89%
+18.8% YoY
|
1.09%
+24.8% YoY
|
0.95%
+18.8% YoY
|
Bottom 0.5% in tier |
| Loan-to-Deposit Ratio ? |
79.33%
-20.0% YoY
-1.2% QoQ
|
+2.69% |
76.64%
+0.8% YoY
|
67.08%
+2.0% YoY
|
76.70%
+0.9% YoY
|
48% |
| Non-Interest-Bearing Deposit Share ? |
6.65%
-11.4% YoY
+2.2% QoQ
|
-15.37% |
22.02%
-1.0% YoY
|
23.89%
+0.0% YoY
|
22.01%
-1.2% YoY
|
Bottom 5.3% in tier |
| Nonperforming Asset Ratio ? |
5.10%
+4.3% YoY
+22.3% QoQ
|
+4.46% |
0.64%
+19.7% YoY
|
0.71%
+24.8% YoY
|
0.67%
+19.3% YoY
|
Bottom 0.9% in tier |
| Tier 1 Capital Ratio ? |
8.66%
-16.4% YoY
-13.1% QoQ
|
-7.17% |
15.83%
+1.5% YoY
|
16.96%
+13.8% YoY
|
17.06%
+0.8% YoY
|
Bottom 0.3% in tier |
| Non-Interest Income / Assets ? |
0.06%
-5.4% YoY
-74.8% QoQ
|
-0.22% |
0.28%
+9.3% YoY
|
0.16%
-16.3% YoY
|
0.32%
+4.1% YoY
|
23% |
Get Full Access to First Southern Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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 (0)
Concerns (1)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.