First Southern Bank (AL)

Overview / Commentary
301 South Court Street
Florence, AL 35630

First Southern Bank (AL) is headquartered in FLORENCE and is the 26th largest bank in the state of Alabama. It is also the 1,509th largest bank in the nation. It was established in 1934 and as of March of 2024, it had grown to 85 employees at 6 locations. First Southern Bank (AL)'s money market rates are 6X the national average, and it boasts an A+ health rating.


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Health Grade Components

FDIC Certificate #29332
Year Established1934
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.29%
Return on Equity - YTD13.47%
Annual Interest Income$10.4MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$613MM$554.4MM
LoansQ1 2024vs Q1 2023$521.7MM$469.7MM
DepositsQ1 2024vs Q1 2023$534.2MM$506.5MM
Equity CapitalQ1 2024vs Q1 2023$60.8MM$46.4MM
Loan Loss AllowanceQ1 2024vs Q1 2023$6.9MM$6.4MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$1.1MM$992K
Real Estate OwnedQ1 2024vs Q1 2023$0$0
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Always verify rates and promotions with the bank or credit union. We are not First Southern Bank (AL); we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

First Southern Bank (AL) Savings Account Rates

0.05%$25-Personal Savings Account
0.05%$0-First Choice Savings

First Southern Bank (AL) Money Market Rates

2.50%$100k-Premier Money Market
0.05%$500-Money Market

First Southern Bank (AL) Checking Account Rates

0.05%$0-50+ Interest Checking
0.05%$0-Southern Advantage Checking
0.05%$0-Business CHKG with Interest
0.05%$0-IOLTA Checking

First Southern Bank (AL) CD Rates

5.10%$10k-7 Month CD Special
4.92%$10k-5 Month CD Special
4.65%$50k-10 Month CD Special
4.54%$10k-13 Month CD Special
4.50%$10k-20 Month CD Special
4.26%$25k-30 Month CD Special
0.35%$1k-48 Month CD
0.35%$1k-60 Month CD
0.25%$1k-24 Month CD
0.25%$1k-36 Month CD
0.20%$1k-18 Month CD
0.15%$1k-12 Month CD
0.05%$1k-91 Day CD
0.05%$1k-182 Day CD

First Southern Bank (AL) IRA Rates

0.35%$100-48 Month IRA
0.35%$100-60 Month IRA
0.25%$100-24 Month IRA
0.25%$100-36 Month IRA
0.15%$100-12 Month IRA

First Southern Bank (AL) Locations
Muscle Shoals Branch1027 Avalon AvenueMuscle Shoals, AL 35661
Killen Branch1455 Highway 72Killen, AL 35645
First Southern Bank301 S Court StFlorence, AL 35630
St. Florian Branch4350 County Road 47Florence, AL 35630

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