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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Florence, AL · FDIC certificate #29332
FIRST SOUTHERN BANK is an FDIC-insured institution based in Florence, AL (FDIC certificate #29332). In its Q3 2026 Call Report it reported total assets of $634M, total deposits of $536M and net loans of $439M. Its primary federal regulator is FDIC.
Reported facts
FIRST SOUTHERN BANK (FDIC certificate #29332) reported the following headline financials for Q3 2026. Interactive quarterly history follows below.
| Total assets | $634M |
|---|---|
| Total deposits | $536M |
| Net loans and leases | $439M |
| Return on assets | -1.76% |
| Return on equity | -18.67% |
| Net interest margin | 3.35% |
| Quarterly asset change | -6.65% |
| Quarterly deposit change | -7.04% |
Plain-language readout
FIRST SOUTHERN BANK in Florence, AL reported total assets of $634M, total deposits of $536M and net loans of $439M in its Q3 2026 Call Report (as of 2026-09-30).
Profitability for Q3 2026: a return on assets of -1.76%, a return on equity of -18.67%, a net interest margin of 3.35%. Return on assets measures annualized net income against average assets, return on equity measures it against average equity, and net interest margin measures net interest income against average earning assets.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $634M | $536M | $439M | -1.76% | -18.67% | 3.35% |
| Q2 2026 | $679M | $577M | $454M | -2.50% | -27.77% | 3.25% |
| Q1 2026 | $685M | $582M | $462M | -4.34% | -47.61% | 3.40% |
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