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Advertiser Disclosure
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 First Southern Bank Waycross, GA Rates & Review April 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: April 24, 2026
You can compare First Southern Bank Waycross, GA rates to other rates in our database, including 12-month CD rates currently at 0.25%, 6-month CD rates at 0.50% and 3-month CD rates at 0.60%. Savings rates are at 0.35% and money market rates are at 0.50%. Mortgage rates on 30-year fixed loans are around 5.65%. All these rates can be compared to First Southern Bank Waycross, GA rates. MonitorBankRates evaluates the financial stability of First Southern Bank Waycross, GA with a 5.0 Star Rating and an A+ Overall Health Grade. Rates were last updated on 04/24/2026. First Southern Bank Waycross, GA 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 Waycross, GA? Share your experience about First Southern Bank Waycross, GA by leaving a review below, or read customer reviews before you decide to use First Southern Bank Waycross, GA. 
Current Rate AvailabilityWe do not have First Southern Bank Waycross, GA rates right now, but we are constantly updating our database so check back often for updated rates. Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for First Southern Bank Waycross, GA 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 Waycross, GA 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 Waycross, GA's official website for the most current offers and terms.
Bank Profile & Overview
Institution Name
First Southern Bank Waycross, GA
Bank Holding Company
FSBH CORP
Address
930 Memorial Dr,
Waycross, GA 31501 · Ware
Website
https://www.fsb-bank.bank
FDIC Certificate #
10055
Established
06/19/1907
FDIC Insurance Date
01/01/1934
Domestic Offices
7
Total Branches
7
Regulator
FDIC
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & AssetsA+
Overall Health Grade
Score: 100/100
5.0
Exceptional
Out of 5.0 Stars
0.00%
Texas Ratio
Nat'l avg: 5.85%
Return on Assets (ROA)
0.6694%
Return on Equity (ROE)
9.0800%
Non-Performing Loans (NPL)
0.00%
Total Assets
$327,683,000
Total Deposits
$288,457,000
Equity Capital
$30,849,000
Net Income
$2,943,000
Headquarters
Waycross
Total Offices
7
Source: FDIC | Last Updated 12/31/2025
Frequently Asked Questions About First Southern Bank Waycross, GAIs First Southern Bank Waycross, GA a safe place to deposit money?Yes, First Southern Bank Waycross, GA is considered a safe financial institution. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category. How many branches does First Southern Bank Waycross, GA operate?First Southern Bank Waycross, GA currently maintains approximately 7 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 Waycross, GA 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 Waycross, GA provides members with tools to manage their accounts and build a solid financial history. Does First Southern Bank Waycross, GA offer online and mobile banking?Most modern institutions like First Southern Bank Waycross, GA 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.fsb-bank.bank. Compare to Other Banks
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