First Southern Bank (FDIC #10055): Bank Stress & Real-Estate Credit Exposure
First Southern Bank (FDIC Cert #10055): bank stress 74/100, elevated, STABLE over 7 days; parent FSBH CORP.
First Southern Bank (#10055) lends in 6 counties across 2 states; First Southern Bank (#10055) reaches 62 ZIP codes: Florida 3 counties, 42 ZIPs; Georgia 3 counties, 20 ZIPs.
First Southern Bank (#10055) largest markets: Manatee County, FL (22 branches, 22 ZIPs) (#10055), Martin County, FL (12 branches, 12 ZIPs) (#10055), Highlands County, FL (9 branches, 9 ZIPs) (#10055), Ware County, GA (8 branches, 8 ZIPs) (#10055), Pierce County, GA (14 branches, 7 ZIPs) (#10055), Wayne County, GA (7 branches, 7 ZIPs) (#10055).
First Southern Bank (#10055) reports $347.2 million in total assets; First Southern Bank (#10055) equity $32.7 million (9.4% of First Southern Bank (#10055) assets); First Southern Bank (#10055) domestic deposits $312.9 million; First Southern Bank (#10055) net income $1.6 million; First Southern Bank (#10055) return on assets 0.94%; First Southern Bank (#10055) return on equity 10.00%; First Southern Bank (#10055) net interest income $7.1 million; First Southern Bank (#10055) call report June 30, 2026.
First Southern Bank (#10055) noncurrent real-estate loans: none reported; First Southern Bank (#10055) net charge-offs on real estate 0.00%.
First Southern Bank (#10055) net interest margin 4.50% against an eight-quarter First Southern Bank (#10055) average of 4.41% (First Southern Bank (#10055) compression -0.08 points); First Southern Bank (#10055) rate-exposure score 40/100, First Southern Bank (#10055) fixed-rate trap 40/100; First Southern Bank (#10055) risk type credit driven; First Southern Bank (#10055) rate regime rates elevated, First Southern Bank (#10055) snapshot October 19, 2026.
First Southern Bank (#10055) stress score moved from 72.1 on June 22, 2026 to 73.7 on October 20, 2026; First Southern Bank (#10055) ranged 72.1 to 73.7 over 117 snapshots.
First Southern Bank (#10055) alerts: 6 counties; top First Southern Bank (#10055) alert scores: Bradenton County, GA 22 (low); Jesup County, GA 22 (low); Patterson County, GA 22 (low); Sebring County, GA 22 (low); Stuart County, GA 22 (low).