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BankSonar

First Southern Bank

Florence, AL · State, non-member commercial bank

24

Sonar Score

Caution

out of 100 · from public FDIC data

Reported March 31, 2026. The Sonar Score is an informational signal from public FDIC data — not a rating or financial advice.

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Key figures

Total assets
$685.1M
Total deposits
$582.2M
Branches
10
Return on assets
-4.34%
Return on equity
-47.61%
Charter type
State, non-member commercial bank
Established
1934
FDIC cert #
29332

How the 24 breaks down

Capital adequacyweight 40%

Capital ratio not reported.

Profitability (ROA)weight 30%

Operating at a loss in the latest period.

Return on equityweight 15%

Negative returns on equity this period.

Scale & stabilityweight 15%

Community-scale institution.

Read the full Sonar Score methodology →

Your deposits at First Southern Bank

First Southern Bank is an FDIC-insured institution (Cert #29332). Deposits are insured up to $250,000 per depositor, per ownership category, by the full faith and credit of the US government. Learn how to maximize your coverage →

10 branch locations

1455 Highway 72

Killen, AL 35645

1027 Avalon Ave

Muscle Shoals, AL 35661

201 S Court Street

Florence, AL 35630

4350 County Road 47

Florence, AL 35630

1720 Us Highway 431

Boaz, AL 35957

3809 East 9th Street

Texarkana, AR 71854

805 E Bankhead St

New Albany, MS 38652

11809 Alabama Highway 157

Moulton, AL 35650

612 E. Hathaway Avenue

Bronson, FL 32621

644 West Ave

Clermont, FL 34711

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