First Southern Bank: Bank Stress & Real-Estate Credit Exposure

First Southern Bank (FDIC Cert #10055) carries a DLRadar bank-stress score of 74/100, a elevated reading of the credit and balance-sheet pressure weighing on the institution. DLRadar builds the reading from the institution's federal call-report filings (capital, credit quality, earnings, real-estate exposure) and weights it by the markets it finances.

DLRadar maps First Southern Bank into 6 counties (62 ZIP codes) across 2 states — a compact, regionally concentrated lending base. It concentrates most in Florida (3 counties), Georgia (3 counties). At the county level, First Southern Bank finances markets like Manatee County, FL, Martin County, FL, Highlands County, FL, Ware County, GA — the specific places where its credit posture translates into local lending capacity. First Southern Bank's score blends four call-report dimensions — capital, credit quality, earnings and property-loan concentration — into one 0–100 number, weighted by lending footprint, which is why it reads as a market signal rather than a generic solvency grade. The value is in the linkage: First Southern Bank's elevated reading is mapped onto 62 ZIP codes and 6 counties where DLRadar independently tracks foreclosures, tax liens and ownership turnover, so credit pressure and physical distress line up on one timeline. Over the trailing week its stress reading is stable. Where the score is heading often matters more than where it sits, since tightening credit leads distress rather than follows it. No bank is too small to score the same way: First Southern Bank runs through the identical FDIC-based model as the largest lenders, refreshed each filing cycle, so its 6-county, 62-ZIP profile means exactly what it would for any institution nationwide. Read against its 6-county reach, a elevated score sets the credit tone for every market on its map. First Southern Bank is held under Fsbh Corp, so its disclosures are public and its stress trajectory is externally verifiable.

Why a bank's stress matters for acquisitions: local lending capacity drives transactions. When First Southern Bank tightens in a county it footprints, refinances stall, construction lending pulls back, and owners who cannot roll their debt slide toward delinquency, foreclosure and forced sale. That makes bank stress a forward indicator — it points to tomorrow's distressed supply, not yesterday's.

DLRadar scores every FDIC-insured bank this way and links each lender to parcel-level foreclosure, tax-lien and ownership signals in the markets it serves. That lets you move ahead of the market, with each number sourced from public federal filings.