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 First Southern Bank
First Southern Bank
| RSSD ID 954671 | CERTIFICATE 31158 | ABA NUMBER 265370915 |
| 1075 Highway 98 Byp |
Quarter Ended : |
2025-12-31 |
| Columbia, Mississippi, 39429 |
Updated : |
2026-01-29 |
| www.fsb-ms.com |
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| Institution Profile |
| Year Opened : |
1960 |
Institution Type : |
Commercial bank |
| Entity Type : |
State |
Federal Regulator : |
FDIC |
| Member Federal Reserve : |
No |
S-Corp : |
Yes |
| Fiduciary Powers : |
No |
Powers Exercised : |
No |
| Filing Type : |
051 |
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| Specialization : |
All Other Under 1 Billion |
| Number of Offices : |
6 |
Number of Employees : |
68 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 294,776 |
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Total Interest Income | 14,778 |
| Total Liabilities | 264,184 |
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Total NonInterest Income | 2,282 |
| Total Bank Equity Capital | 30,592 |
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Total Interest Expense | 2,526 |
| Total Deposits | 249,819 |
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Total NonInterest Expense | 9,131 |
| Net Loans & Leases | 154,316 |
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Net Income | 5,338 |
| Loan Loss Allowance | 2,059 |
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Net Charge Offs | 101 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Community Bank Leverage Ratio | Yes |
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Total loans | 154,221 |
| Total assets for the leverage ratio | 289,775 |
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Loans secured by real estate: | 121,614 |
| Tier 1 Leverage Ratio | 11.17 |
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Commercial and industrial loans | 15,083 |
| Off Balance Sheet Exposures (%) | 10.47 |
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Loans to individuals - Credit Cards | 0 |
| Trading Assets and Liabilities (%) | 0 |
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Loans to individuals - Other | 12,821 |
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:· First Southern Bank
