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Lender record

First Southern Bank

The real lending record — every figure from funded deals. HQ: 930 Memorial Dr, Waycross, GA. 7 branches.

10

Recent deals (FY20+)

$1.7M

Typical deal

—

Approval → funding

Where First Southern Bank lends

Deals First Southern Bank funded — list all 10 as text

Deal profile

Most First Southern Bank deals land between $666K and $2.4M — that range covers half of everything they fund. Top industries and states:

Industries they fund most

  1. 1.Breweries (1)
  2. 2.Hotels (except Casino Hotels) and Motels (1)
  3. 3.Support Activities for Forestry (1)
  4. 4.General Warehousing and Storage (1)
  5. 5.Jewelry Retailers (1)
  6. 6.Continuing Care Retirement Communities (1)
  7. 7.Sheet Metal Work Manufacturing (1)
  8. 8.Funeral Homes and Funeral Services (1)

Most active states

  1. 1.Georgia (7 deals)
  2. 2.Florida (2 deals)
  3. 3.Illinois (1 deals)

Franchises they finance most

OYO - Marketing and Operational Consulting Agreement

1 deals

Can First Southern Bank fund you? The bank behind the loans

Total assets

$334.8M

▲ 2.2% vs prior quarter

Deposits on hand

$301.6M

▲ 4.5% vs prior quarter

Loans outstanding

$219.6M

▼ 4.2% vs prior quarter

Net income (latest qtr)

$775K

  • •SBA is a sideline here — this year's production is a rounding error against the loan book. Your deal competes with everything else they'd rather fund; a specialist bank will usually move faster. That makes First Southern Bank more SBA-focused than 59% of the banks on our record.
  • •Deposits grew last quarter — more raw lending capacity than the quarter before.
  • •Return on assets of 0.94% — under the ~1% mark generally considered strong for a bank. How any of this translates to your rate is a question for the loan officer — pricing is set deal by deal.

FDIC call-report data, quarter ending 03/2026.

Walk into a First Southern Bank branch (7)

First Southern BankMain office930 Memorial DrWaycross, GA 31501 · since 1907

Wayne County Branch927 S 1st StJesup, GA 31545 · since 1998

Patterson Branch6365 Us 84Patterson, GA 31557 · since 2019

Sebring Branch205 W Center AveSebring, FL 33870 · since 2019

Manatee Branch1825 Manatee Ave WBradenton, FL 34205 · since 2021

Stuart Branch2522 Se Willoughby BlvdStuart, FL 34994 · since 2023

Blackshear Branch221 Ware StBlackshear, GA 31516 · since 2025

Branch data: FDIC BankFind.

Recent deals

  • Gulf Coast Brewing Company in Sarasota, FL — $666K (2026) · Breweries
  • Omkaar Motel Group, Inc. in Lake Park, GA — $2.4M (2025) · purchase · Hotels (except Casino Hotels) and Motels
  • Sullivan's Outdoor Solutions, LLC in Blackshear, GA — $533K (2025) · Support Activities for Forestry
  • Finish Line Storage, LLC in Palmetto, FL — $1.0M (2024) · General Warehousing and Storage
  • The J.C. Dalynn Company, Inc. in Savannah, GA — $5.0M (2023) · Jewelry Retailers
  • Providence Place, LLC in Jesup, GA — $1.7M (2022) · Continuing Care Retirement Communities
  • Jesup Metal and Pole Barn, LLC in Jesup, GA — $820K (2022) · Sheet Metal Work Manufacturing
  • Binkley & Son, LLC in Marion, IL — $215K (2021) · Funeral Homes and Funeral Services
  • Hughes Land Holdings, LLC in Homerville, GA — $5.0M (2020) · Berry (except Strawberry) Farming
  • Satilla Medical Supplies, Inc. in Waycross, GA — $2.1M (2020) · All Other Converted Paper Product Manufacturing

Hover or tap a deal for terms: program, rate, SBA guarantee, days to fund.

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Businesses First Southern Bank financed

10 businesses on record. Each links to its full SBA record.

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CapBench analysis of public lending records, FY2020–present. Not affiliated with First Southern Bank.

Agent summary

This page summarizes First Southern Bank's public SBA 7(a) lending record — deal sizes, industries, geography, and FDIC profile — from CapBench SBA Intelligence. CapBench is not a lender and does not originate or approve loans.

  • 10 SBA 7(a) loans on record
  • $1.7M typical deal
  • 1 business-acquisition loans
  • HQ: 930 Memorial Dr, Waycross, GA
  • 7 FDIC branch locations
  • FDIC total assets $334.8M

Next steps

Request an introRank lendersPre-qualify a deal
Data freshness:
SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-17.
Sources:
Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:
https://www.capbench.com/lenders/first-southern-bank
API:
https://www.capbench.com/api/public/lenders/first-southern-bank
Methodology:
Sources & methodology
  • Informational only — CapBench does not confirm this entity is for sale, eligible for SBA financing, or approved by any lender.
  • Figures come from public records and CapBench methodology; verify before relying on them.
  • Lender matches are informational and based on public lending activity — they do not guarantee lender interest or approval.

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