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First Southern Bank

$100M-$1B Specialty: Other MS FDIC cert 31158

Designations: ✓ CDFI-certified

Columbia, MS

6 branches across 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 39 in MS.
  • Deposits -10.1% year over year ($271.4M on the books).
  • Delinquency rate 0.00%.
  • Return on assets 1.89%.
  • Efficiency ratio 61.56% vs a 64.48% peer average.
  • Loan-to-deposit ratio 54.18% 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 39 in MS
View $100M-$1B leaderboard (MS) →

First Southern Bank has 4 strengths but faces 2 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

  • + Delinquency Rate 0.92% below tier average
  • + ROA 0.56% above tier average
  • + Net Interest Margin 0.71% above tier average
  • + Efficiency Ratio 2.92% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 5.5% in tier
  • - Deposit Outflow: Bottom 12.5% in tier
Get updates when First Southern Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MS) National Avg Tier Percentile
Total Assets ? $317.3M
-4.1% YoY +2.7% QoQ
-$69.2M $386.6M
+1.2% YoY
$2.3B
+4.7% YoY
$6.3B
+7.7% YoY
49%
Total Loans ? $147.1M
+0.1% YoY -2.7% QoQ
-$111.3M $258.3M
+1.7% YoY
$1.6B
+6.5% YoY
$3.2B
+9.4% YoY
34%
Total Deposits ? $271.4M
-10.1% YoY +2.7% QoQ
-$55.3M $326.7M
+0.7% YoY
$1.9B
+4.9% YoY
$4.9B
+7.3% YoY
49%
Return on Assets ? 1.89%
+12.0% YoY -1.0% QoQ
+0.56% 1.32%
+10.8% YoY
1.27%
+12.8% YoY
1.30%
+12.1% YoY
84%
Net Interest Margin ? 4.70%
+5.6% YoY -0.1% QoQ
+0.71% 3.99%
+5.0% YoY
4.02%
+5.6% YoY
3.95%
+4.9% YoY
Top 14.4% in tier
Efficiency Ratio ? 61.56%
-4.4% YoY +0.6% QoQ
-2.92% 64.48%
-3.2% YoY
65.83%
-2.8% YoY
70.05%
+2.5% YoY
53%
Delinquency Rate ? 0.00%
-100.0% YoY -100.0% QoQ
-0.92% 0.92%
+15.7% YoY
1.03%
+6.0% YoY
0.98%
+16.3% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 54.18%
+11.4% YoY -5.3% QoQ
-23.78% 77.95%
+1.0% YoY
72.48%
+3.6% YoY
79.03%
+2.3% YoY
Top 11.8% in tier
Non-Interest-Bearing Deposit Share ? 30.18%
-1.8% YoY +5.1% QoQ
+8.15% 22.03%
-0.6% YoY
22.74%
-2.6% YoY
21.98%
-0.6% YoY
83%
Nonperforming Asset Ratio ? 0.05%
-86.7% YoY +29.8% QoQ
-0.62% 0.67%
+16.4% YoY
0.80%
+11.3% YoY
0.69%
+15.8% YoY
79%
Tier 1 Capital Ratio ? 10.57%
+3.6% YoY -1.0% QoQ
-5.34% 15.91%
+1.4% YoY
13.77%
-2.2% YoY
17.09%
+0.8% YoY
18%
Non-Interest Income / Assets ? 0.32%
+9.4% YoY +99.6% QoQ
-0.24% 0.57%
+7.6% YoY
0.38%
+2.4% YoY
0.66%
+5.2% YoY
76%

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 (MS) National Avg Tier Percentile
Noninterest-Bearing 30.2%
-0.6pp YoY
+1.5pp QoQ
 +8.0pp 22.1% 23.1% 22.2% 82%
Brokered Deposits n/a n/a 7.9% 3.8% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MS) National Avg Tier Percentile
C&I 8.7%
-1.1pp YoY
-0.4pp QoQ
 -2.8pp 11.6% 12.4% 12.5% 45%
CRE 36.6%
+1.0pp YoY
+0.2pp QoQ
 -2.9pp 39.5% 42.3% 41.4% 46%
1-4 Family 30.4%
+1.0pp YoY
+0.7pp QoQ
 -2.2pp 32.6% 33.1% 31.3% 52%
Consumer 8.6%
-0.2pp YoY
-0.1pp QoQ
 +4.5pp 4.1% 5.6% 5.0% 90%

Capital

Metric Current vs Tier Tier Avg State Avg (MS) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 16.5% 19.7% n/a
Leverage Ratio 10.6%
+0.4pp YoY
-0.1pp QoQ
 -1.6pp 12.2% 11.9% 12.6% 43%
Total Capital Ratio n/a n/a 19.9% 17.7% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MS) National Avg Tier Percentile
Full-Time Employees 68
-1 (-1.4%) YoY
-3 (-4.2%) QoQ
 +9 58 297 482 69%
Assets per Employee ($) $4.7M
-2.7% YoY
+7.2% QoQ
 -$2.9M $7.5M $6.2M $8.8M 10%
Branch Count 6
0 YoY
0 QoQ
 +1 4 22 18 66%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MS) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.3% 0.4% n/a
Nonaccrual n/a n/a 0.9% 0.9% 1.0% n/a
Allowance Coverage n/a n/a 24.15x 4.87x 20.23x n/a
Net Charge-off Rate (YTD) 0.1%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 75%

Profitability

Metric Current vs Tier Tier Avg State Avg (MS) National Avg Tier Percentile
ROE 18.8%
+0.4pp YoY
0.0pp QoQ
 +6.6pp 12.2% 11.7% 11.6% 84%
Cost of Funds (YTD) 1.0%
+0.2pp YoY
0.0pp QoQ
 -0.7pp 1.7% 1.8% 1.7% 12%
Net Income ($, YTD) $2.9M
+17.4% YoY
— QoQ
 +$340K $2.6M $13.8M $40.4M 68%

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 (2)

Capital Thin

risk
#37 of 661 • Bottom 5.5% 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: 10.57%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Deposit Outflow

decline
#68 of 535 • Bottom 12.5% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ

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

Top Strengths (7 metrics)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.92%
#1 of 2633 Top 0.1% in $100M-$1B
313
Loan-to-Deposit Ratio
liquidity
Value: 54.18%
Peer Median: 77.95%
#313 of 2643 Top 11.8% in $100M-$1B
381
Net Interest Margin
profitability
Value: 4.70%
Peer Median: 3.99%
#381 of 2643 Top 14.4% in $100M-$1B
433
Return on Assets
profitability
Value: 1.89%
Peer Median: 1.32%
#433 of 2643 Top 16.3% in $100M-$1B
461
Non-Interest-Bearing Deposit Share
funding
Value: 30.18%
Peer Median: 22.03%
#461 of 2643 Top 17.4% in $100M-$1B
558
Nonperforming Asset Ratio
credit_quality
Value: 0.05%
Peer Median: 0.67%
#558 of 2643 Top 21.1% in $100M-$1B
634
Non-Interest Income / Assets
revenue_mix
Value: 0.32%
Peer Median: 0.57%
#634 of 2643 Top 24.0% in $100M-$1B

Top Weaknesses (1 metrics)

2174
Tier 1 Capital Ratio
capital
Value: 10.57%
Peer Median: 15.91%
#2174 of 2643 Bottom 17.8% in $100M-$1B
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