Applications / Mortgage Analytics / Lenders / Georgia / First Southern Bank / Competition
First Southern Bank
Waycross, GA · State non-member bank · FDIC · $328 million assets · 47 loans in 2025
First Southern Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
47
loans originated, 2025
57
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Who First Southern Bank competes with, by dollars lent in 2025, in its five largest markets and the three it entered most recently. A Pareto chart puts the lenders in order of size and draws their running share, so the reader sees how concentrated each market is: where the line climbs steeply, a few lenders hold most of it.
FIG. 1 — NORTH PORT-BRADENTON-SARASOTA, FL, 2025
First Southern Bank ranks 199th of 811 lenders in North Port-Bradenton-Sarasota, FL, with $6.5M lent: 0.1% of a $10.17B market.
North Port-Bradenton-Sarasota, FL is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and First Southern Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 34% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 2 — NON-METRO GEORGIA, 2025
First Southern Bank ranks 295th of 683 lenders in non-metro Georgia, with $3.2M lent: 0.0% of a $8.64B market.
non-metro Georgia is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and First Southern Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 31% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 3 — PORT ST. LUCIE, FL, 2025
First Southern Bank ranks 315th of 559 lenders in Port St. Lucie, FL, with $870K lent: 0.0% of a $4.88B market.
Port St. Lucie, FL is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and First Southern Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 39% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 4 — BRUNSWICK-ST. SIMONS, GA, 2025
First Southern Bank ranks 172nd of 271 lenders in Brunswick-St. Simons, GA, with $495K lent: 0.1% of a $958.2M market.
Brunswick-St. Simons, GA is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and First Southern Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 44% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 5 — NON-METRO FLORIDA, 2025
First Southern Bank ranks 464th of 564 lenders in non-metro Florida, with $365K lent: 0.0% of a $3.36B market.
non-metro Florida is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and First Southern Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 33% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 6 — PUNTA GORDA, FL, 2025
First Southern Bank ranks 426th of 548 lenders in Punta Gorda, FL, with $295K lent: 0.0% of a $2.09B market.
Punta Gorda, FL is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and First Southern Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 39% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 7 — TALLAHASSEE, FL, 2025
First Southern Bank ranks 333rd of 372 lenders in Tallahassee, FL, with $165K lent: 0.0% of a $1.71B market.
Tallahassee, FL is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and First Southern Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 42% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 8 — SEBRING, FL, 2025
First Southern Bank ranks 239th of 245 lenders in Sebring, FL, with $90K lent: 0.0% of a $529.8M market.
Sebring, FL is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and First Southern Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 45% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
The data and the software behind these pages
First Southern Bank's data
$215
First Southern Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
Buy First Southern Bank's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]