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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
Deterministic ratios for FIRST SOUTHERN BANK from its Q3 2026 Call Report. Detailed loan and deposit composition follows below.
| Total deposits | $259M |
|---|---|
| Net loans and leases | $144M |
Plain-language readout
FIRST SOUTHERN BANK in Columbia, MS funds its loans with $259M of deposits and holds $144M of net loans, as reported for Q3 2026. The ratios below show how that funding, capital and credit quality compare with the amounts on the balance sheet.
No capital, liquidity or asset-quality ratios are reported for FIRST SOUTHERN BANK in Q3 2026; none is estimated.
The loan-to-deposit ratio computed from net loans and total deposits was 55.42% in Q3 2026, against 57.18% in Q1 2026. A rising ratio means the bank is lending a larger share of its deposits.
| Quarter | Net loans | Deposits | Loan-to-deposit |
|---|---|---|---|
| Q3 2026 | $144M | $259M | 55.42% |
| Q2 2026 | $147M | $271M | 54.18% |
| Q1 2026 | $151M | $264M | 57.18% |