First Southern Bank
Waycross, GA
IDRSSD: 631039
Total Assets
$327.68M
Latest filing
Total Deposits
$288.46M
Latest filing
Net Interest Margin
4.83%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
061206814PATTERSON, GA
Key People
Loading leadership data...
Locations
Main office and branches. Select to view on the map.
Main Office
First Southern Bank
930 Memorial Dr
Waycross, GA 31501
Full Service - Brick and Mortar
Updated 01/30/2026Established 06/19/1907FDIC Certificate 6427
Branches (6)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| First Southern Bank (Main) | 930 Memorial Dr | Waycross, GA |
| WAYNE COUNTY BRANCH | 927 S 1st St | Jesup, GA |
| PATTERSON BRANCH | 6365 Us 84 | Patterson, GA |
| SEBRING BRANCH | 205 W Center Ave | Sebring, FL |
| MANATEE BRANCH | 1825 Manatee Ave W | Bradenton, FL |
| STUART BRANCH | 2522 Se Willoughby Blvd | Stuart, FL |
| BLACKSHEAR BRANCH | 221 Ware St | Blackshear, GA |
Showing 6 of 6
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
Similar banks
Waycross Bank & Trust
Waycross, Georgia
→
Assets: $245.31MΔ -24.3%
Altamaha Bank & Trust Company
Vidalia, Georgia
→
Assets: $325.42MΔ +0.4%
Flint Community Bank
Albany, Georgia
→
Assets: $330.57MΔ +2.0%
United National Bank
Cairo, Georgia
→
Assets: $311.66MΔ -3.8%
Douglas National Bank
Douglas, Georgia
→
Assets: $309.68MΔ -4.5%
Bank of Newington
Newington, Georgia
→
Assets: $308.61MΔ -4.8%
Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 06/19/1907 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 31501 |
| State and County Number | 13299 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 06 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | Waycross, GA |
Operational Info
| Number of Employees | 59 |
| Domestic Offices | 7 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.fsb-bank.bank |
| Data Updated | 01/30/2026 |
| CERT | 10055 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $327.68M |
| Total Deposits | $288.46M |
| Total Liabilities | $296.83M |
| Total Equity Capital | $30.85M |
| Net Income | $507.00k |
| Net Loans and Leases | $229.33M |
| Assets Per Employee ($Millions) | $5.37M |
| Bank Premises and Fixed Assets | $10.58M |
| Cash and Balances due from Depository Institutions | $13.08M |
| Deposits Held in Domestic Offices | $288.46M |
Key Performance Ratios
| Return on Assets (ROA) | 0.62% |
| Return on Equity (ROE) | 6.64% |
| Net Interest Margin | 4.83% |
| Efficiency Ratio | 82.61% |
| Tier 1 Risk-Based Capital Ratio | 13.951% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.06% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.414% |
| Earning Assets to total Assets | 93.01% |
Income and Expense
| Total Interest Income | $4.62M |
| Total Noninterest Income | $332.00k |
| Total Interest Expense | $956.00k |
| Total Noninterest Expense | $3.30M |
| Net Interest Income | $3.66M |
| Pre-tax Net Operating Income | $644.00k |
| Provision for Credit Losses | $50.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $7.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.38M |
| Total Liabilities and Capital | $327.68M |
Securities
| Securities | $65.42M |
| Available-for-sale debt securities | $2.15M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $63.26M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of First Southern Bank?
$327.68M as of the latest filing.
How much are First Southern Bank's total deposits?
$288.46M in total deposits.
Where is First Southern Bank located?
Waycross, GA.
What is the Net Interest Margin?
4.83%.
How many domestic offices does it operate?
7.
When was it established?
06/19/1907.
What is the Return on Assets (ROA)?
0.62%.
How much are total loans and leases?
$229.33M (latest filing).
What is the total interest income (latest filing)?
$4.62M.