First Southern Bank is a bank based in Waycross, Georgia, established in 1907, with $335 million in total assets across 7 branches. By Trust Grade it ranks 69th of 124 banks we track in Georgia. Its capital ratio of 9.5% trails most similarly sized banks (38th percentile), versus a Georgia median of 10.5%. It was profitable over the most recent period, with a 0.94% return on assets. No consumer complaints against First Southern Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How First Southern Bank compares to Georgia peers
How we graded First Southern Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (9.5% capital ratio)
- Profitable (ROA 0.94%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for First Southern Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (7)
- 927 S 1st St, Jesup, GA 31545
- 6365 Us 84, Patterson, GA 31557
- 205 W Center Ave, Sebring, FL 33870
- 1825 Manatee Ave W, Bradenton, FL 34205
- 930 Memorial Dr, Waycross, GA 31501
- 2522 Se Willoughby Blvd, Stuart, FL 34994
- 221 Ware St, Blackshear, GA 31516
Are deposits at First Southern Bank insured?
Yes. First Southern Bank is an FDIC-insured bank (FDIC certificate #10055). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
First Southern Bank: frequently asked questions
Is First Southern Bank a good bank?
First Southern Bank earns a Bankzia Trust Grade of A (95/100, "Excellent"), based on a financial-strength score of 95/100 (it has no CFPB complaints on record). Strongly capitalized (9.5% capital ratio); Profitable (ROA 0.94%).
Is First Southern Bank FDIC-insured?
Yes. First Southern Bank is a FDIC-insured bank (FDIC certificate #10055). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is First Southern Bank?
First Southern Bank holds $335 million in total assets, ranking 69th of 124 banks we track in Georgia. It operates 7 branches.
Does First Southern Bank have CFPB complaints?
No CFPB complaints against First Southern Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
