First Southern Bank
Columbia, MS
IDRSSD: 954671
Total Assets
$284.77M
Latest filing
Total Deposits
$240.53M
Latest filing
Net Interest Margin
4.47%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
First Southern Bank
1075 Highway 98 Byp
Columbia, MS 39429
Full Service - Brick and Mortar
Updated 11/14/2025Established 03/28/1960FDIC Certificate 43992
Branches (5)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| First Southern Bank (Main) | 1075 Highway 98 Byp | Columbia, MS |
| RICHTON BRANCH | 502 N Front St | Richton, MS |
| PICAYUNE BRANCH | 1321 Highway 43 N | Picayune, MS |
| SECOND STREET BRANCH | 340 Second St | Columbia, MS |
| PETAL BRANCH | 1048 Highway 42 | Petal, MS |
| OAK GROVE BRANCH | 3000 Highway 589 | Hattiesburg, MS |
Showing 5 of 5
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
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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 | 03/28/1960 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 39429 |
| State and County Number | 28091 |
| Subchapter S Corporations | Yes |
| 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 | Dallas |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 69 |
| Domestic Offices | 6 |
| 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 | 08/09/1989 |
| Primary Insurance Agency | DIF |
| Website | www.fsb-ms.com |
| Data Updated | 11/14/2025 |
| CERT | 31158 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $284.77M |
| Total Deposits | $240.53M |
| Total Liabilities | $254.98M |
| Total Equity Capital | $29.80M |
| Net Income | $1.52M |
| Net Loans and Leases | $150.01M |
| Assets Per Employee ($Millions) | $3.96M |
| Bank Premises and Fixed Assets | $9.01M |
| Cash and Balances due from Depository Institutions | $21.36M |
| Deposits Held in Domestic Offices | $240.53M |
Key Performance Ratios
| Return on Assets (ROA) | 1.98% |
| Return on Equity (ROE) | 21.09% |
| Net Interest Margin | 4.47% |
| Efficiency Ratio | 59.27% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| 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 | 10.463% |
| Earning Assets to total Assets | 91.33% |
Income and Expense
| Total Interest Income | $3.78M |
| Total Noninterest Income | $705.00k |
| Total Interest Expense | $618.00k |
| Total Noninterest Expense | $2.29M |
| Net Interest Income | $3.16M |
| Pre-tax Net Operating Income | $1.52M |
| Provision for Credit Losses | $50.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $82.00k |
| Other borrowed funds | $13.50M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $953.00k |
| Total Liabilities and Capital | $284.77M |
Securities
| Securities | $94.77M |
| Available-for-sale debt securities | $94.77M |
| 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?
$284.77M as of the latest filing.
How much are First Southern Bank's total deposits?
$240.53M in total deposits.
Where is First Southern Bank located?
Columbia, MS.
What is the Net Interest Margin?
4.47%.
How many domestic offices does it operate?
6.
When was it established?
03/28/1960.
What is the Return on Assets (ROA)?
1.98%.
How much are total loans and leases?
$150.01M (latest filing).
What is the total interest income (latest filing)?
$3.78M.