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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Columbia, MS · FDIC certificate #31158
FIRST SOUTHERN BANK is an FDIC-insured institution based in Columbia, MS (FDIC certificate #31158). In its Q3 2026 Call Report it reported total assets of $303M, total deposits of $259M and net loans of $144M. Its primary federal regulator is FDIC.
Reported facts
FIRST SOUTHERN BANK (FDIC certificate #31158) reported the following headline financials for Q3 2026. Interactive quarterly history follows below.
| Total assets | $303M |
|---|---|
| Total deposits | $259M |
| Net loans and leases | $144M |
| Return on assets | 1.95% |
| Return on equity | 19.59% |
| Net interest margin | 4.77% |
| Quarterly asset change | -4.56% |
| Quarterly deposit change | -4.41% |
Plain-language readout
FIRST SOUTHERN BANK in Columbia, MS reported total assets of $303M, total deposits of $259M and net loans of $144M in its Q3 2026 Call Report (as of 2026-09-30).
Profitability for Q3 2026: a return on assets of 1.95%, a return on equity of 19.59%, a net interest margin of 4.77%. 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 | $303M | $259M | $144M | 1.95% | 19.59% | 4.77% |
| Q2 2026 | $317M | $271M | $147M | 1.89% | 18.75% | 4.70% |
| Q1 2026 | $309M | $264M | $151M | 1.90% | 18.77% | 4.70% |
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