First Southern Bank (FDIC #29332): Bank Stress & Real-Estate Credit Exposure

First Southern Bank (FDIC Cert #29332): bank stress 94/100, severe, STABLE over 7 days; parent FIRST SOUTHERN BANCSHARES INC.

First Southern Bank (#29332) lends in 8 counties across 4 states; First Southern Bank (#29332) reaches 105 ZIP codes: Alabama 4 counties, 45 ZIPs; Florida 2 counties, 43 ZIPs; Mississippi 1 county, 11 ZIPs; Arkansas 1 county, 6 ZIPs.

First Southern Bank (#29332) largest markets: Lake County, FL (30 branches, 30 ZIPs) (#29332), Marshall County, AL (18 branches, 18 ZIPs) (#29332), Levy County, FL (13 branches, 13 ZIPs) (#29332), Union County, MS (11 branches, 11 ZIPs) (#29332), Lauderdale County, AL (30 branches, 10 ZIPs) (#29332), Lawrence County, AL (10 branches, 10 ZIPs) (#29332).

First Southern Bank (#29332) reports $679.2 million in total assets; First Southern Bank (#29332) equity $59.7 million (8.8% of First Southern Bank (#29332) assets); First Southern Bank (#29332) domestic deposits $577.1 million; First Southern Bank (#29332) net income minus $8.7 million; First Southern Bank (#29332) return on assets -2.50%; First Southern Bank (#29332) return on equity -27.77%; First Southern Bank (#29332) net interest income $10.7 million; First Southern Bank (#29332) call report June 30, 2026.

First Southern Bank (#29332) noncurrent real-estate loans 0.05% of its book; First Southern Bank (#29332) residential 0.17%; First Southern Bank (#29332) net charge-offs on real estate 8.67%; First Southern Bank (#29332) residential charge-offs 3.48%.

First Southern Bank (#29332) net interest margin 3.25% against an eight-quarter First Southern Bank (#29332) average of 3.59% (First Southern Bank (#29332) compression 0.34 points); First Southern Bank (#29332) real-estate loans 5.2% of equity; First Southern Bank (#29332) non-residential real estate 347.7% of equity; First Southern Bank (#29332) rate-exposure score 40/100, First Southern Bank (#29332) fixed-rate trap 40/100; First Southern Bank (#29332) risk type credit driven; First Southern Bank (#29332) rate regime rates elevated, First Southern Bank (#29332) snapshot October 19, 2026.

First Southern Bank (#29332) stress score moved from 92.6 on June 22, 2026 to 93.6 on October 19, 2026; First Southern Bank (#29332) ranged 92.6 to 93.6 over 116 snapshots.

First Southern Bank (#29332) alerts: 8 counties; top First Southern Bank (#29332) alert scores: Boaz County, AL 31 (low); Bronson County, AL 31 (low); Clermont County, AL 31 (low); Killen County, AL 31 (low); Moulton County, AL 31 (low).