BlastPoint's Banking Scorecard
First Southern Bank
Community
Specialty: Agricultural
AL
FDIC cert 29332
Florence, AL
1484
banks in Community tier nationally
26 in AL
View Community leaderboard (AL) →
First Southern Bank faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Return on Assets 1.15% below tier
- - Delinquency Rate 5.41% above tier
- - Non-Interest-Bearing Deposit Share 14.54% below tier
- - Nonperforming Asset Ratio 3.67% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$732.2M
+7.8% YoY
+8.1% QoQ
|
-$659.3M |
$1.4B
+2.0% YoY
|
$2.4B
+1.3% YoY
|
$5.9B
+6.5% YoY
|
30% |
| Total Loans ? |
$498.5M
-8.3% YoY
-2.5% QoQ
|
-$477.0M |
$975.5M
+2.4% YoY
|
$1.5B
-0.1% YoY
|
$3.1B
+8.5% YoY
|
31% |
| Total Deposits ? |
$621.2M
+9.0% YoY
+9.4% QoQ
|
-$543.4M |
$1.2B
+1.7% YoY
|
$2.0B
+1.3% YoY
|
$4.7B
+6.3% YoY
|
30% |
| Return on Assets ? |
0.01%
-98.8% YoY
-77.4% QoQ
|
-1.15% |
1.16%
+17.2% YoY
|
1.11%
+4.4% YoY
|
1.12%
+15.6% YoY
|
Bottom 3% in tier |
| Net Interest Margin ? |
3.63%
-8.4% YoY
-0.4% QoQ
|
-0.04% |
3.66%
+9.1% YoY
|
3.94%
+3.2% YoY
|
3.75%
+7.1% YoY
|
49% |
| Efficiency Ratio ? |
59.20%
+15.8% YoY
-4.1% QoQ
|
-3.44% |
62.63%
-5.3% YoY
|
64.78%
-3.4% YoY
|
65.09%
-5.1% YoY
|
60% |
| Delinquency Rate ? |
6.04%
+97.4% YoY
-5.9% QoQ
|
+5.41% |
0.63%
+18.3% YoY
|
0.66%
-12.1% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
80.25%
-15.8% YoY
-10.8% QoQ
|
-2.81% |
83.06%
+0.3% YoY
|
68.23%
+2.7% YoY
|
78.04%
+0.7% YoY
|
39% |
| Non-Interest-Bearing Deposit Share ? |
6.51%
-10.0% YoY
-12.8% QoQ
|
-14.54% |
21.05%
-0.9% YoY
|
24.36%
+3.3% YoY
|
21.79%
-1.3% YoY
|
Bottom 5% in tier |
| Nonperforming Asset Ratio ? |
4.17%
+70.3% YoY
-15.0% QoQ
|
+3.67% |
0.50%
+20.3% YoY
|
0.53%
+14.0% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
6.46%
-12.3% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.22%
-12.7% YoY
+25.1% QoQ
|
-0.52% |
0.74%
-1.3% YoY
|
0.77%
+11.5% YoY
|
0.65%
+0.6% YoY
|
Bottom 14% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (4)
Return on Assets
metric
Bottom 3%
in Community
Why this stands out
Current:
0.01%
(Tier avg: 1.16%, National avg: 1.12%)
Delinquency Rate
metric
Bottom 1%
in Community
Why this stands out
Current:
6.04%
(Tier avg: 0.63%, National avg: 0.66%)
Non-Interest-Bearing Deposit Share
metric
Bottom 5%
in Community
Why this stands out
Current:
6.51%
(Tier avg: 21.05%, National avg: 21.79%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Community
Why this stands out
Current:
4.17%
(Tier avg: 0.50%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
60
60th pctile
Efficiency Ratio
Current: 59.20% · Tier avg: 62.63%
49
49th pctile
Net Interest Margin
Current: 3.63% · Tier avg: 3.66%
39
39th pctile
Loan-to-Deposit Ratio
Current: 80.25% · Tier avg: 83.06%
31
31th pctile
Total Loans
Current: $498.5M · Tier avg: $975.5M
30
30th pctile
Total Deposits
Current: $621.2M · Tier avg: $1.2B
30
30th pctile
Total Assets
Current: $732.2M · Tier avg: $1.4B
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
14
14th pctile
Non-Interest Income / Assets
Current: 0.22% · Tier avg: 0.74%
5
5th pctile
Non-Interest-Bearing Deposit Share
Current: 6.51% · Tier avg: 21.05%
3
3th pctile
Return on Assets
Current: 0.01% · Tier avg: 1.16%
0
0th pctile
Delinquency Rate
Current: 6.04% · Tier avg: 0.63%
0
0th pctile
Nonperforming Asset Ratio
Current: 4.17% · Tier avg: 0.50%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 4.17% · Tier avg: 0.50%
0
0th pctile
Delinquency Rate
Current: 6.04% · Tier avg: 0.63%
3
3th pctile
Return on Assets
Current: 0.01% · Tier avg: 1.16%
5
5th pctile
Non-Interest-Bearing Deposit Share
Current: 6.51% · Tier avg: 21.05%
14
14th pctile
Non-Interest Income / Assets
Current: 0.22% · Tier avg: 0.74%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
30
30th pctile
Total Assets
Current: $732.2M · Tier avg: $1.4B
30
30th pctile
Total Deposits
Current: $621.2M · Tier avg: $1.2B
31
31th pctile
Total Loans
Current: $498.5M · Tier avg: $975.5M
39
39th pctile
Loan-to-Deposit Ratio
Current: 80.25% · Tier avg: 83.06%
49
49th pctile
Net Interest Margin
Current: 3.63% · Tier avg: 3.66%
60
60th pctile
Efficiency Ratio
Current: 59.20% · Tier avg: 62.63%