FDIC Cert #31158 · Columbia, Mississippi · Est. 1960

First Southern Bank - FDIC Bank Health Profile

A community-scale look at First Southern Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$295M
Total assets
A
Health grade · Excellent
1.83%
Return on assets
11.2%
Tier 1 capital

Data updated July 2026

The verdict

First Southern Bank earns a PlainBankData health grade of A (81/100), with well-capitalized at 11.17% Tier 1, profitable at 1.83% ROA, 63% efficiency ratio.

#2,511
largest of 4,313 FDIC banks by assets
42nd
percentile by asset size, nationally
11.17%
Tier 1 ratio - above the 10% well-capitalized line
86th
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 31158 · MS A · 81/100

GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-MID · BOOK-FULL

  • GRADE-A A (81/100)
  • MID-PACK #1888/4307
  • PHOTO-FINISH Cenlar FSB · NJ
  • TIER1-WELL 11.2% Tier 1
  • TEXAS-CLEAN 0.3% Texas
  • ROA-STRONG 1.83% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Mississippi: Cenlar FSB, NJ (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around First Southern Bank

Lowest and highest poles plus nearest scored peers outside Mississippi, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Cenlar FSB · NJ · near81/100Enterprise Bank · NE · near81/100First Southern Bank · MS · t…81/100Northrim Bank · AK · near81/100TrustCo Bank · NY · near81/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around First Southern Bank · July 2026

What First Southern Bank's Call Report plate shows

First Southern Bank (FDIC Cert #31158) carries a PlainBankData health grade of A at 81/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #1,888 of 4,307. Tier 1 capital prints at 11.17%, clearing the 10% well-capitalized line. The Texas Ratio is 0.25%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.83%. Balance-sheet scale is $295M, 2,511th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Cenlar FSB (NJ), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around First Southern Bank

3 FAILURE resolutions in Mississippi since 2000 (2 since 2008)

First Southern Bank's home state sits in the middle band of post-2000 FAILURE counts (3; 2 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; First Southern Bank remains an active FDIC-insured reporter.

  • HERITAGE BANKING GROUP CARTHAGE, MS 2011 → TRUSTMARK NATIONAL BANK
  • FIRST NATIONAL BANK ROSEDALE, MS 2010 → THE JEFFERSON BANK
  • BANK OF FALKNER FALKNER, MS 2000 → CITIZENS BANK & SAVINGS COM

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Mississippi banks.

How First Southern Bank's 81/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10081/100
First Southern Bank's composite health score
Tier 1 Capital Ratio (11.17%) 28/40
Return on Assets (ROA) (1.83%) 25/25
Texas Ratio (0.25%) 20/20
Efficiency Ratio (62.83%) 8/15

81 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$295M

Total balance-sheet footings

Total Deposits

$250M

Customer-funded liabilities

Net Loans

$154M

Outstanding loan book

Net Income

$5M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 9.77% 11.17% 12.57%
Basel III capital ratios - First Southern Bank

Where First Southern Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First Southern Bank's score of 81/100 falls in the highlighted band.

First Southern Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

81 Top 44% higher than 56% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. First Southern Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

First Southern Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). First Southern Bank's $295M falls in the highlighted band.

Safety ratios for First Southern Bank

Tier 1 capital ratio
Well-capitalized 10%

11.17% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
11.17%
Texas Ratio
0.25%
Equity Capital
$31M

What these ratios mean →

Earnings posture at First Southern Bank

Return on Assets (ROA)
86th percentile nationally
1.83%
Return on Equity (ROE)
18.95%
Efficiency Ratio
62.83%

What these mean →

Income & expense at First Southern Bank

$15M
Interest Income
$2M
Non-Interest Income
$9M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. First Southern Bank reports a Texas Ratio of 0.25% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.25% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View First Southern Bank on FDIC BankFind →

Top banks in Mississippi by total assets

Largest banks headquartered in Mississippi
  1. 1
    Hancock Whitney Bank $35.5B

    Gulfport, MS · Grade A

  2. 2
    Renasant Bank $26.7B

    Tupelo, MS · Grade B

  3. 3
    Trustmark Bank $18.9B

    Jackson, MS · Grade B

  4. 4
    BankPlus $8.1B

    Belzoni, MS · Grade B

  5. 5
    Community Bank of Mississippi $5.0B

    Flowood, MS · Grade B

Top 5 banks in Mississippi ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($295M here), outside Mississippi so the neighborhood is not state containment.

The Citizens Bank of Winfield $295M · AL The Jacksboro National Bank $295M · TX Collins State Bank $295M · WI The Payne County Bank $295M · OK

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First Southern Bank (FDIC Cert #31158) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

First Southern Bank Call Report profile · FDIC Failed Bank List · Mississippi FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Mississippi

All Mississippi banks →
BankAssetsGradeROA
Hancock Whitney BankGulfport $35.5B A 1.41%
Renasant BankTupelo $26.7B B 0.89%
Trustmark BankJackson $18.9B B 1.26%
BankPlusBelzoni $8.1B B 1.14%
Community Bank of MississippiFlowood $5.0B B 0.89%
BankFirst Financial ServicesColumbus $3.3B B 1.04%
Guaranty Bank and Trust CompanyBelzoni $2.9B B 1.10%
Planters Bank & Trust CompanyIndianola $2.1B A 0.84%