CRA Public File

First Southern Bank is pleased to provide information for public inspection under the Community Reinvestment Act (CRA).

To request additional information or physical copies, please contact your local branch or call 256-718-4200.

Under the CRA, the following information must be maintained in a public file, current as of April 1st of the current year. 

• All Public Comments received for the current year and prior two calendar years.
• A map of the bank’s current Assessment Areas.
• A copy of the bank’s most recent CRA Performance Evaluation.
• A list of Branch Locations and branches opened and closed during the prior two calendar years.
• HMDA Disclosure.
• Loan to Deposit Ratios.
• A description of Personal Products and Services and Business Products and Services.
• Our current Fee Schedule and Rates.

CRA Public File as of April 1, 2025