First Southern Bank (FDIC #31158): Bank Stress & Real-Estate Credit Exposure
First Southern Bank (FDIC Cert #31158): bank stress 53/100, moderate, STABLE over 7 days; parent FIRST FEDERAL BCORP.
First Southern Bank (#31158) lends in 5 counties across 1 state; First Southern Bank (#31158) reaches 24 ZIP codes: Mississippi 5 counties, 24 ZIPs.
First Southern Bank (#31158) largest markets: Forrest County, MS (8 branches, 8 ZIPs) (#31158), Marion County, MS (16 branches, 8 ZIPs) (#31158), Perry County, MS (8 branches, 8 ZIPs) (#31158), Lamar County, MS (6 branches, 6 ZIPs) (#31158), Pearl River County, MS (5 branches, 5 ZIPs) (#31158).
First Southern Bank (#31158) reports $317.3 million in total assets; First Southern Bank (#31158) equity $31.4 million (9.9% of First Southern Bank (#31158) assets); First Southern Bank (#31158) domestic deposits $271.4 million; First Southern Bank (#31158) net income $2.9 million; First Southern Bank (#31158) return on assets 1.89%; First Southern Bank (#31158) return on equity 18.75%; First Southern Bank (#31158) net interest income $6.6 million; First Southern Bank (#31158) call report June 30, 2026.
First Southern Bank (#31158) noncurrent real-estate loans 0.03% of its book; First Southern Bank (#31158) residential 0.10%; First Southern Bank (#31158) net charge-offs on real estate 0.00%.
First Southern Bank (#31158) net interest margin 4.70% against an eight-quarter First Southern Bank (#31158) average of 4.65% (First Southern Bank (#31158) compression -0.04 points); First Southern Bank (#31158) real-estate loans 2.5% of equity; First Southern Bank (#31158) rate-exposure score 40/100, First Southern Bank (#31158) fixed-rate trap 40/100; First Southern Bank (#31158) risk type credit driven; First Southern Bank (#31158) rate regime rates elevated, First Southern Bank (#31158) snapshot October 19, 2026.
First Southern Bank (#31158) stress score moved from 51.6 on June 22, 2026 to 53.2 on October 19, 2026; First Southern Bank (#31158) ranged 51.6 to 53.2 over 116 snapshots.
First Southern Bank (#31158) alerts: 5 counties; top First Southern Bank (#31158) alert scores: Columbia County, MS 19 (low); Hattiesburg County, MS 19 (low); Petal County, MS 19 (low); Picayune County, MS 19 (low); Richton County, MS 19 (low).