First Southern Bank
Florence, AL
IDRSSD: 66275
Total Assets
$677.56M
Latest filing
Total Deposits
$568.00M
Latest filing
Net Interest Margin
3.83%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
First Southern Bank
201 S Court Street
Florence, AL 35630
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/01/1934FDIC Certificate 42166
Branches (9)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| First Southern Bank (Main) | 201 S Court Street | Florence, AL |
| KILLEN BRANCH | 1455 Highway 72 | Killen, AL |
| MUSCLE SHOALS BRANCH | 1027 Avalon Ave | Muscle Shoals, AL |
| ST. FLORIAN BRANCH | 4350 County Road 47 | Florence, AL |
| BOAZ BRANCH | 1720 Us Highway 431 | Boaz, AL |
| TEXARKANA BRANCH | 3809 East 9th Street | Texarkana, AR |
| NEW ALBANY BRANCH | 805 E Bankhead St | New Albany, MS |
| MOULTON BRANCH | 11809 Alabama Highway 157 | Moulton, AL |
Showing 7 of 9
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/01/1934 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 35630 |
| State and County Number | 01077 |
| Subchapter S Corporations | No |
| Trust Powers | Limited Trust Powers Granted |
| 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 | Florence-Muscle Shoals, AL |
Operational Info
| Number of Employees | 103 |
| Domestic Offices | 10 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 06/06/2023 |
| Date of Deposit Insurance | 08/09/1989 |
| Primary Insurance Agency | DIF |
| Website | www.firstsouthern.com |
| Data Updated | 11/14/2025 |
| CERT | 29332 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $677.56M |
| Total Deposits | $568.00M |
| Total Liabilities | $610.73M |
| Total Equity Capital | $66.83M |
| Net Income | $143.00k |
| Net Loans and Leases | $511.26M |
| Assets Per Employee ($Millions) | $6.58M |
| Bank Premises and Fixed Assets | $7.46M |
| Cash and Balances due from Depository Institutions | $106.32M |
| Deposits Held in Domestic Offices | $568.00M |
Key Performance Ratios
| Return on Assets (ROA) | 0.09% |
| Return on Equity (ROE) | 0.86% |
| Net Interest Margin | 3.83% |
| Efficiency Ratio | 58.88% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 1.5% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.864% |
| Earning Assets to total Assets | 95.61% |
Income and Expense
| Total Interest Income | $10.29M |
| Total Noninterest Income | $453.00k |
| Total Interest Expense | $4.22M |
| Total Noninterest Expense | $3.84M |
| Net Interest Income | $6.07M |
| Pre-tax Net Operating Income | $182.00k |
| Provision for Credit Losses | $2.50M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $418.00k |
| Other borrowed funds | $40.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $2.73M |
| Total Liabilities and Capital | $677.56M |
Securities
| Securities | $39.67M |
| Available-for-sale debt securities | $39.59M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of First Southern Bank?
$677.56M as of the latest filing.
How much are First Southern Bank's total deposits?
$568.00M in total deposits.
Where is First Southern Bank located?
Florence, AL.
What is the Net Interest Margin?
3.83%.
How many domestic offices does it operate?
10.
When was it established?
01/01/1934.
What is the Return on Assets (ROA)?
0.09%.
How much are total loans and leases?
$511.26M (latest filing).
What is the total interest income (latest filing)?
$10.29M.