Overview / Commentary
256-245-4365
126 N Norton Ave
Sylacauga, AL 35150

SouthFirst Bank is headquartered in Sylacauga and is the 98th largest bank in the state of Alabama. It is also the 4,411th largest bank in the nation. It was established in 1949 and as of June of 2018, it had grown to 31 employees at 3 locations. SouthFirst Bank has a C+ health rating.

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Health
C+
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. SouthFirst Bank has a relatively low asset base.

Health Grade Components

Overall
FDIC Certificate #30433
Year Established1949
Employees31
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0%
Return on Equity - YTD0.04%
Annual Interest Income$1.7MM
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$86.6MM$89.8MM
LoansQ2 2018vs Q2 2017$51.1MM$54.4MM
DepositsQ2 2018vs Q2 2017$75.9MM$78.8MM
Equity CapitalQ2 2018vs Q2 2017$9.5MM$10.0MM
Loan Loss AllowanceQ2 2018vs Q2 2017$949.00K$917.00K
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$847.00K$897.00K
Real Estate OwnedQ2 2018vs Q2 2017$1.5MM$1.7MM
Rates
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Always verify rates and promotions with the bank or credit union. We are not SouthFirst Bank; 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.

SouthFirst Bank Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%*$7.5k*-Statement Savings
OTHER TIERS: 0.15% $100 - $7.5k
0.25%*$7.5k*-All Sports Savings Account
OTHER TIERS: 0.15% Up to $7.5k
0.15%--Christmas Club

SouthFirst Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.35%*$25.5k*-First Money Market
OTHER TIERS: 0.15% $2.5k - $8.5k | 0.20% $8.5k - $12.5k | 0.25% $12.5k - $25.5k

SouthFirst Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.55%*$50k*-Advantage Plus
OTHER TIERS: 0.10% Up to $5k | 0.15% $5k - $25k | 0.40% $25k - $50k
0.25%--Solid Gold
0.10%--Now Account

SouthFirst Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%$500-60 Month CD
0.75%$500-48 Month CD
0.60%$500-30 Month CD
0.55%$500-8 Month CD
0.50%$500-24 Month CD
0.45%$500-18 Month CD
0.40%$500-12 Month CD
0.35%$500-6 Month CD
0.10%$500-3 Month CD

SouthFirst Bank IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.05%$500-60 Month IRA
0.95%$500-24 Month IRA
0.85%$500-18 Month IRA
0.75%$500-12 Month IRA
Locations


SouthFirst Bank Locations
102 5th Street North Branch105 5th Street NorthClanton, AL 35045
Southfirst Bank126 N Norton AveSylacauga, AL 35150
301 W North St Branch301 West North StreetTalladega, AL 35160

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