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 First Southern Bank
First Southern Bank
| RSSD ID 631039 | CERTIFICATE 10055 | ABA NUMBER 61206814 |
| 930 Memorial Dr |
Quarter Ended : |
2025-12-31 |
| Waycross, Georgia, 31501 |
Updated : |
2026-01-29 |
| www.fsb-bank.bank |
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| Institution Profile |
| Year Opened : |
1907 |
Institution Type : |
Commercial bank |
| Entity Type : |
State |
Federal Regulator : |
FDIC |
| Member Federal Reserve : |
No |
S-Corp : |
No |
| Fiduciary Powers : |
No |
Powers Exercised : |
No |
| Filing Type : |
051 |
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| Specialization : |
Commercial Lending Specialization |
| Number of Offices : |
7 |
Number of Employees : |
61 |
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| Related Company Filings |
Regulator |
 FSBH CORP |
FED |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 327,683 |
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Total Interest Income | 17,805 |
| Total Liabilities | 296,834 |
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Total NonInterest Income | 1,556 |
| Total Bank Equity Capital | 30,849 |
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Total Interest Expense | 3,769 |
| Total Deposits | 288,457 |
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Total NonInterest Expense | 11,510 |
| Net Loans & Leases | 229,327 |
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Net Income | 2,943 |
| Loan Loss Allowance | 2,061 |
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Net Charge Offs | 10 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Total capital | 36,900 |
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Total loans | 224,561 |
| Total assets for the leverage ratio | 327,976 |
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Loans secured by real estate: | 192,729 |
| Tier 1 Leverage Ratio | 10.57 |
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Commercial and industrial loans | 24,700 |
| Tier 1 Capital Ratio | 13.95 |
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Loans to individuals - Credit Cards | 187 |
| Total Capital Ratio | 14.84 |
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Loans to individuals - Other | 3,310 |
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:· First Southern Bank
