Total Assets
$679.2M
Total Deposits
$577.1M
Branches
10
Established
1934
First Southern Bank is a bank headquartered in Florence, Alabama, established in 1934. It holds $679.2M in total assets across 10 branch locations. In our editorial opinion, based on public FDIC/NCUA data, First Southern Bank earns a TFS Financial Health Grade of F (47.7/100) — our editorial assessment, not an official rating or financial advice.
TFS Health Grade
47.7 / 100
Poor financial health
How we gradeTFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.
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Financial data through June 30, 2026. Updated by TFS August 28, 2026. Data sourced from FDIC BankFind Suite as of 2026-Q2. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from CFPB Consumer Complaint Database. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
| Branch | Address | City | State | Type |
|---|---|---|---|---|
| First Southern BankHQ | 201 S Court Street | Florence | AL | 11 |
| First Southern Bank | 1720 Us Highway 431 | Boaz | AL | 11 |
| First Southern Bank | 4350 County Road 47 | Florence | AL | 11 |
| First Southern Bank | 1455 Highway 72 | Killen | AL | 11 |
| First Southern Bank | 11809 Alabama Highway 157 | Moulton | AL | 11 |
| First Southern Bank | 1027 Avalon Ave | Muscle Shoals | AL | 11 |
| First Southern Bank | 3809 East 9th Street | Texarkana | AR | 11 |
| First Southern Bank | 612 E. Hathaway Avenue | Bronson | FL | 11 |
| First Southern Bank | 644 West Ave | Clermont | FL | 11 |
| First Southern Bank | 805 E Bankhead St | New Albany | MS | 11 |
Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from FDIC Enforcement Decisions and Orders / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.
Benchmarked against 60 active, federally insured banks reporting in the same quarter and holding roughly 0.5×–2× its assets. Same-state and overlapping-market peers are prioritized.
TFS health score
47.7
Tier 1 capital ratio
8.95%
Return on assets
-2.50%
Non-performing loans
10.86%
Efficiency ratio
67.76%
Asset growth (YoY)
4.18%
Suggested direct comparisons
Birmingham, AL
$18.3B
$660.7M
Complaint percentiles are intentionally withheld while TFS audits CFPB company matching and import coverage. Peer conclusions use complete same-quarter regulatory metrics only.