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First Southern National Bank

IDRSSD: 702612
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Bank Health Dashboard

Per-bank snapshot with peer-percentile metric grid + Quarterly Anomaly Alerts as of 2026-03-31. 3 alerts active.

Summary

RSSD 702612 held $1.3B in total assets as of 2026-03-31 (+1.6% quarter-over-quarter). Total loans stood at $787.0M (+1.1% QoQ) and total deposits at $1.1B (+1.4% QoQ).

Overall position is adequate — the composite Health Score is 61/100 (Adequate). Tier 1 / RWA stands at 17.75%, in the top quartile of peers. Asset quality (NPL ratio) sits in the bottom quartile of peers.

3 Quarterly Anomaly Alerts fired this quarter. Review the alert list below for the specific Cliff Drop, Peer Outlier, and Threshold Crossing details.

Headline KPIs

Health Score
61/100
Adequate
Active Alerts
3
0 critical, 3 warning
Total Assets
$1.3B
+1.6% QoQ
Total Loans
$787.0M
+1.1% QoQ
Total Deposits
$1.1B
+1.4% QoQ

Quarterly Anomaly Alerts

Three triggers run against each metric every quarter: Cliff Drop (≥20-percentile QoQ slip), Peer Outlier (≥2σ from peer-group QoQ delta), and Threshold Crossing (supervisory + empirical bounds).

Peer-Percentile Metric Grid

Each tile shows the latest value, the bank's peer percentile, and a color band (top quartile = green; bottom decile = red). For ratios where lower is better (NPL %, Texas Ratio, MtM/T1, etc.), the percentile direction is inverted so green always means good.

Capital

Tier 1 / RWA
17.75%
79th pctile · n=341↑ better
+79 bp QoQ
CET1 / RWA
17.75%
86th pctile · n=500↑ better
+79 bp QoQ
Total RBC / RWA
19.01%
79th pctile · n=341↑ better
+79 bp QoQ
Tier 1 Leverage Ratio
17.75%
85th pctile · n=500↑ better
+79 bp QoQ

Liquidity

Cash / Assets
13.74%
85th pctile · n=500↑ better
+301 bp QoQ
Loans / Deposits
70.82%
20th pctile · n=497↓ better
-20 bp QoQ
Non-Core Funding Dependence
—
no peer group↓ better

Asset Quality

NPL / Loans
1.63%
85th pctile · n=500↓ better
+69 bp QoQ
NPA / Assets
1.03%
79th pctile · n=500↓ better
+44 bp QoQ
Texas Ratio (regulatory)
8.79%
80th pctile · n=500↓ better
+376 bp QoQ
Net Charge-Offs / Avg Loans
0.07%
77th pctile · n=500↓ better
+2 bp QoQ
ALLL Coverage of NPL
94.09%
27th pctile · n=500↑ better
-6628 bp QoQ

Earnings

Net Interest Margin
4.66%
89th pctile · n=500↑ better
+17 bp QoQ
Return on Assets
1.57%
72th pctile · n=500↑ better
-216 bp QoQ
Return on Equity
13.43%
63th pctile · n=500↑ better
-1971 bp QoQ
Efficiency Ratio
65.49%
62th pctile · n=500↓ better
-300 bp QoQ
Pre-tax NOI / Avg Assets
2.08%
81th pctile · n=500↑ better
-288 bp QoQ

Funding

Brokered / Deposits
0.00%
19th pctile · n=497↓ better
Core Deposits / Deposits
—
no peer group↑ better
FHLB Advances / Liabilities
0.00%
18th pctile · n=500↓ better

Securities

MtM Loss / Tier 1 (SVB metric)
—
no peer group↓ better
Securities / Assets
20.61%
67th pctile · n=500↑ better
-262 bp QoQ
AFS Securities / Assets
18.63%
69th pctile · n=500↑ better
-187 bp QoQ
HTM Securities / Assets
0.00%
28th pctile · n=500↑ better

Methodology

Health Score (0-100)
Unweighted average of every metric's peer percentile, with lower-is-better metrics inverted before averaging. Strong = ≥70, Adequate = 40-70, Weak = <40.
Peer group
Same asset-size bucket and charter type as the subject bank, computed nightly into PeerPercentile. Single-bank peer groups render as "no peer group" on the affected tiles.
Cliff Drop Alert
Triggered when a metric's peer percentile rank drops by ≥20 points vs the prior quarter. Direction-adjusted, so "dropping" always means moving toward the bottom of the rankings regardless of metric polarity.
Peer Outlier Alert
Triggered when the bank's QoQ change in a metric is more than 2 standard deviations away from the peer group's QoQ change distribution.
Threshold Crossing Alert
Triggered when a metric crosses one of a small set of supervisory or empirical thresholds (Tier 1/RWA < 8%, MtM/T1 > 40%, Texas Ratio > 50%, etc.). Critical-severity thresholds suppress the corresponding warning row for the same metric.
Source
FFIEC Call Report (RC, RC-A, RC-B, RC-C, RC-E, RC-K, RC-M, RC-N, RC-R, RI, RI-B) ingested nightly into CallReport_Financials and CallReport_FdicData. Visbanking's metric coloring and alert thresholds.

Generated: 2026-05-13 04:17:47 UTC