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 First Southern Bank Florence, AL Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: September 23, 2026
First Southern Bank Florence, AL rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month CD rates are currently at 2.85%, 6-month CD rates at 2.75% and 3-month CD rates at 2.56%. Savings rates are at 0.89% and money market rates are at 1.22%. Mortgage rates on 30-year fixed loans are around 7.01%. These rates come from our rate database, not First Southern Bank Florence, AL, and you can see how they compare in the First Southern Bank Florence, AL rate tables below. MonitorBankRates evaluates the financial stability of First Southern Bank Florence, AL with a 1.0 Star Rating, an F Overall Health Grade, and a Texas Ratio of 85.21%. Database rates last updated and verified on 09/23/2026. First Southern Bank Florence, AL money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at First Southern Bank Florence, AL? Share your experience about First Southern Bank Florence, AL by leaving a review below, or read customer reviews before you decide to use First Southern Bank Florence, AL. 
Current Rate AvailabilityWe're not currently displaying rates for First Southern Bank Florence, AL, but our database is updated constantly, so check back soon for the latest offers. Are you with First Southern Bank Florence, AL? We'd love to add your institution's rates. Contact us to get your institution's rates listed on MonitorBankRates. Financial Health HistoryFirst Southern Bank Florence, AL’s Texas Ratio rose from 1.68% in Q3 2023 to 85.21% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 1.0 and its Health Grade from A+ to F. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for First Southern Bank Florence, AL is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions. Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health. Rate Data Aggregation: We gather First Southern Bank Florence, AL rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with First Southern Bank Florence, AL's official website for the most current offers and terms.
Bank Profile & Overview
Institution Name
First Southern Bank Florence, AL
Bank Holding Company
FIRST SOUTHERN BANCSHARES INC
Address
201 S Court Street,
Florence, AL 35630 · Lauderdale
Website
https://www.firstsouthern.com
FDIC Certificate #
29332
Established
19340101
FDIC Insurance Date
19890809
Domestic Offices
10
Total Branches
10
Regulator
FDIC
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & AssetsF
Overall Health Grade
Score: 17/100
1.0
Weak
Out of 5.0 Stars
85.21%
Texas Ratio
Nat'l avg: 5.85%
Return on Assets (ROA)
-2.5023%
Return on Equity (ROE)
-27.7700%
Non-Performing Loans (NPL)
7.46%
Total Assets
$679,154,000
Total Deposits
$577,087,000
Equity Capital
$59,694,000
Net Income
$-8,743,000
Headquarters
Florence
Total Branches and Offices
10
Source: FDIC | Last Updated 06/30/2026
Customer Reviews
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Frequently Asked Questions About First Southern Bank Florence, ALHow many branches does First Southern Bank Florence, AL operate?First Southern Bank Florence, AL currently maintains approximately 10 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is there a first-time homebuyer program?Currently, First Southern Bank Florence, AL does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, First Southern Bank Florence, AL provides members with tools to manage their accounts and build a solid financial history. Does First Southern Bank Florence, AL offer online and mobile banking?Most modern institutions like First Southern Bank Florence, AL provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.firstsouthern.com. Compare to Other Banks
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