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First Southern Bank
Columbia, MS · FDIC Certificate #31158 · Chartered 03/2
Total assets
$317.34M
Total deposits
$271.44M
Total equity
$31.40M
Net loans
$147.06M
Branches (offices)
6
Net income (YTD)
$2.90M
Rank: #2,389 of 4,213 U.S. banks by assets · #39 of 57 in Mississippi. Assets changed -4.1% and deposits -10.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.89% |
| Return on equity | 18.75% |
| Net interest margin (YTD) | 4.70% |
| Equity to assets | 9.89% |
| Tier 1 leverage ratio | 10.57% |
| Uninsured deposits (share of deposits) | 34.1% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.09% |
| Loans to deposits | 54.2% |
| Real estate loans (share of loans) | 84.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $123.52M | 84.0% | |
| Commercial & industrial | $12.87M | 8.7% | |
| Consumer / individual | $12.70M | 8.6% | |
| Construction & development | $4.89M | 3.3% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $270.61M | $249.35M | $1.63M | $20.82M |
| Jun 2023 | $264.11M | $242.51M | $1.91M | $21.09M |
| Jun 2024 | $257.55M | $232.66M | $2.05M | $24.01M |
| Jun 2025 | $330.92M | $302.03M | $2.47M | $28.01M |
| Jun 2026 | $317.34M | $271.44M | $2.90M | $31.40M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Mississippi | $271.44M | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $271.44M.
Similar-sized banks
Putnam County State Bank ($317.56M) · Bank Of Coushatta ($317.08M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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