SouthFirst Bank

Overview / Commentary
126 N Norton Ave
Sylacauga, AL 35150

SouthFirst Bank is headquartered in Sylacauga and is the 96th largest bank in the state of Alabama. It is also the 4,348th largest bank in the nation. It was established in 1949 and as of December of 2019, it had grown to 30 employees at 3 locations. SouthFirst Bank has a C+ health rating.


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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

FDIC Certificate #30433
Year Established1949
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD-0.02%
Return on Equity - YTD-0.15%
Annual Interest Income$3.4MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$76.9MM$82.4MM
LoansQ4 2019vs Q4 2018$51.6MM$50.1MM
DepositsQ4 2019vs Q4 2018$66.2MM$72.0MM
Equity CapitalQ4 2019vs Q4 2018$9.8MM$9.5MM
Loan Loss AllowanceQ4 2019vs Q4 2018$836.00K$992.00K
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$1.2MM$1.6MM
Real Estate OwnedQ4 2019vs Q4 2018$1.3MM$1.3MM
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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

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

0.25%*$25.5k*-First Money Market
OTHER TIERS: 0.10% $2.5k - $8.5k | 0.15% $8.5k - $12.5k | 0.20% $12.5k - $25.5k

SouthFirst Bank Checking Account Rates

0.30%*$50k*-Advantage Plus
OTHER TIERS: 0.10% Up to $5k | 0.15% $5k - $25k | 0.20% $25k - $50k
0.25%--Solid Gold
0.10%--Now Account

SouthFirst Bank CD Rates

0.85%$500-15 Month CD
0.75%$500-60 Month CD
0.60%$500-12 Month CD
0.55%$500-8 Month CD
0.55%$500-48 Month CD
0.45%$500-30 Month CD
0.40%$500-24 Month CD
0.35%$500-18 Month CD
0.25%$500-6 Month CD
0.10%$500-3 Month CD

SouthFirst Bank IRA Rates

0.90%$500-60 Month IRA
0.80%$500-24 Month IRA
0.70%$500-18 Month IRA
0.60%$500-12 Month IRA

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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