BlastPoint's Banking Scorecard

First Southern Bank

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

Designations: ✓ CDFI-certified

Columbia, MS

6 branches across MS

2664 banks in the $100M-$1B peer group nationally 42 in MS

First Southern Bank shows strong momentum with 4 strengths and 11.0% YoY asset growth

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

+ ROA 0.63% above tier average
+ Net Interest Margin 0.77% above tier average
+ Efficiency Ratio 4.08% below tier average
+ Delinquency Rate 0.87% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when First Southern Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
Total Assets ?	$309.0M +11.0% YoY +4.8% QoQ	-$77.1M	$386.1M +0.5% YoY	$2.3B +11.5% YoY	$6.2B +9.1% YoY	48%
Total Loans ?	$151.1M +4.0% YoY -2.1% QoQ	-$104.7M	$255.7M +1.1% YoY	$1.5B +13.2% YoY	$3.2B +10.8% YoY	36%
Total Deposits ?	$264.2M +5.3% YoY +5.8% QoQ	-$63.8M	$328.0M +0.1% YoY	$1.9B +10.5% YoY	$4.8B +8.2% YoY	47%
Return on Assets ?	1.90% +11.1% YoY +4.1% QoQ	+0.63%	1.27% +12.9% YoY	1.16% +5.3% YoY	1.23% +13.4% YoY	85%
Net Interest Margin ?	4.70% +1.9% YoY +2.3% QoQ	+0.77%	3.93% +6.0% YoY	3.97% +6.6% YoY	3.89% +5.7% YoY	Top 13.0% in tier
Efficiency Ratio ?	61.21% -6.1% YoY -2.6% QoQ	-4.08%	65.29% -4.5% YoY	67.65% -1.2% YoY	66.95% -4.1% YoY	56%
Delinquency Rate ?	0.02% -97.8% YoY -63.9% QoQ	-0.87%	0.89% +18.8% YoY	1.06% +2.0% YoY	0.95% +18.8% YoY	84%
Loan-to-Deposit Ratio ?	57.18% -1.3% YoY -7.4% QoQ	-19.46%	76.64% +0.8% YoY	70.20% +3.2% YoY	76.70% +0.9% YoY	84%
Non-Interest-Bearing Deposit Share ?	28.72% +8.2% YoY +1.1% QoQ	+6.70%	22.02% -1.0% YoY	22.68% -1.8% YoY	22.01% -1.2% YoY	79%
Nonperforming Asset Ratio ?	0.04% -92.5% YoY -35.4% QoQ	-0.60%	0.64% +19.7% YoY	0.74% +0.7% YoY	0.67% +19.3% YoY	80%
Tier 1 Capital Ratio ?	10.67% -2.5% YoY -4.4% QoQ	-5.16%	15.83% +1.5% YoY	13.90% -1.0% YoY	17.06% +0.8% YoY	19%
Non-Interest Income / Assets ?	0.16% -11.5% YoY -79.0% QoQ	-0.12%	0.28% +9.3% YoY	0.17% -9.5% YoY	0.32% +4.1% YoY	78%

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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 (0)

No matched concern signatures this quarter

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 2664 peers in $100M-$1B

Top Strengths (7 metrics)

347

Net Interest Margin

profitability

Value: 4.70%

Peer Median: 3.93%

#347 of 2664 Top 13.0% in $100M-$1B

403

Return on Assets

profitability

Value: 1.90%

Peer Median: 1.27%

#403 of 2664 Top 15.1% in $100M-$1B

416

Delinquency Rate

credit_quality

Value: 0.02%

Peer Median: 0.89%

#416 of 2654 Top 15.6% in $100M-$1B

422

Loan-to-Deposit Ratio

liquidity

Value: 57.18%

Peer Median: 76.64%

#422 of 2664 Top 15.8% in $100M-$1B

531

Nonperforming Asset Ratio

credit_quality

Value: 0.04%

Peer Median: 0.64%

#531 of 2664 Top 19.9% in $100M-$1B

567

Non-Interest-Bearing Deposit Share

funding

Value: 28.72%

Peer Median: 22.02%

#567 of 2664 Top 21.2% in $100M-$1B

600

Non-Interest Income / Assets

revenue_mix

Value: 0.16%

Peer Median: 0.28%

#600 of 2664 Top 22.5% in $100M-$1B

Top Weaknesses (1 metrics)

2169

Tier 1 Capital Ratio

capital

Value: 10.67%

Peer Median: 15.83%

#2169 of 2664 Bottom 18.6% in $100M-$1B