FIRST SOUTHERN BANK
WAYCROSS, GEORGIA · FDIC Cert #10055
Capital & Safety Analysis
According to FDIC financial data, FIRST SOUTHERN BANK holds a Tier 1 capital ratio of 14.16%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning FIRST SOUTHERN BANK has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
FIRST SOUTHERN BANK shows strong financial health indicators. With $313M in assets and a Health Score of 78/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
FIRST SOUTHERN BANK has a Bank Health Score of B (78/100). It holds a Tier 1 capital ratio of 14.16%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
FIRST SOUTHERN BANK holds $313M in total assets and $286M in total deposits. It is located in WAYCROSS, GEORGIA (FDIC Certificate #10055).
FIRST SOUTHERN BANK has a Tier 1 capital ratio of 14.16%, classifying it as "Well-Capitalized." The nonperforming loan ratio is 2.62%, and the return on assets is 0.88%.
Yes. FIRST SOUTHERN BANK is FDIC-insured (Certificate #10055). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.