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

Bank stress at First Southern Bank (FDIC Cert #29332) registers 94/100 on DLRadar's scale — a severe reading. The score is derived deterministically from the bank's public FDIC call-report financials — asset quality, capital adequacy, earnings and real-estate loan concentration — then weighted by where it actually lends.

County by county, that footprint includes Lake County, FL, Marshall County, AL, Levy County, FL, Union County, MS, among others DLRadar tracks parcel by parcel. First Southern Bank is held under First Southern Bancshares Inc, so its disclosures are public and its stress trajectory is externally verifiable. The value is in the linkage: First Southern Bank's severe reading is mapped onto 105 ZIP codes and 8 counties where DLRadar independently tracks foreclosures, tax liens and ownership turnover, so credit pressure and physical distress line up on one timeline. DLRadar maps First Southern Bank into 8 counties (105 ZIP codes) across 4 states — a compact, multi-state lending base. The deepest footprints are Alabama (4 counties), Florida (2 counties), Mississippi (1 county), Arkansas (1 county). The First Southern Bank score updates as fresh FDIC call reports post each quarter, so its 94/100 reading and 8-county footprint reflect the current filing cycle rather than a dated snapshot — and because it uses the same model as every FDIC bank, First Southern Bank is directly comparable to any lender in the country. What separates this from a plain credit rating is the geographic weighting — First Southern Bank's 94/100 reading reflects not just its balance sheet but the 8 counties it lends into, so the score doubles as a map of where its stress will land first. Over the trailing week its stress reading is stable. Momentum matters as much as the level — a rising score means the lenders behind a market are tightening, and financing tends to seize up before distress reaches listings. The combination of a severe reading and a compact footprint is what makes First Southern Bank worth watching as a supply signal.

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. It is an early-warning read, flagging distress before it reaches the MLS.

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.