First Southern Bank
Florence, AL · State Bank, Not a Federal Reserve Member · Part of FIRST SOUTHERN BANCSHARES INC
Summary
- Total assets: $679 million
- Total deposits: $577 million
- Total loans: $467 million
- Data as of June 30, 2026
Loan portfolio
Share of the bank's loans in each category.
| Construction & land | 6.4% |
| Multifamily | 2.7% |
| Owner-occupied commercial real estate | 9.3% |
| Non-owner-occupied commercial real estate | 12.9% |
| Residential | 21.0% |
| Commercial & industrial | 12.9% |
| Consumer & other | 34.8% |
Health indicators
- Tier 1 leverage ratio: 8.95%
- Total risk-based capital ratio: 0.00%
- Noncurrent loans: 10.86%
- Net charge-offs: 4.60%
- Return on assets: -2.50%
Local footprint
| County | Branches | Deposits |
|---|---|---|
| Lake, FL | 1 | $12 million |
| Levy, FL | 1 | $6 million |