First Southern Bank
Waycross, GA · State Bank, Not a Federal Reserve Member · Part of FSBH CORP
Summary
- Total assets: $347 million
- Total deposits: $313 million
- Total loans: $226 million
- Data as of June 30, 2026
Loan portfolio
Share of the bank's loans in each category.
| Construction & land | 14.2% |
| Multifamily | 1.6% |
| Owner-occupied commercial real estate | 31.2% |
| Non-owner-occupied commercial real estate | 6.0% |
| Residential | 29.3% |
| Commercial & industrial | 10.4% |
| Consumer & other | 7.4% |
Health indicators
- Tier 1 leverage ratio: 10.92%
- Total risk-based capital ratio: 15.76%
- Noncurrent loans: 0.01%
- Net charge-offs: 0.04%
- Return on assets: 0.94%
Local footprint
| County | Branches | Deposits |
|---|---|---|
| Highlands, FL | 1 | $90 million |
| Manatee, FL | 1 | $77 million |
| Martin, FL | 1 | $12 million |