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History & Mission, First Southern Bank

First Southern Bank, deep roots …. home grown.

First Southern Bank is the oldest financial institution under continuous operation in the Shoals.

In January of 1935, First Federal Savings & Loan Association was federally chartered. First Federal grew as a savings and loan association, serving the savings and loan needs of our region — and quite possibly issuing mortgages to you, someone in your family, or someone you know. Our roots are deep, and we helped this place grow by investing in the families here who wanted the most essential part of the American Dream: a home to call their own.

On June 10, 1995, First Federal Savings & Loan changed its name to First Southern Bank, and changed its charter from a savings and loan institution to a state commercial bank. In March of 2008, our Main Office location was moved from our 35+ year home at 102 S. Court Street to our new location at 301 S. Court Street. In 2017, First Southern was purchased by a group of Shoals-area businessmen and investors who are committed to providing financial services for businesses and individuals in our region, as a way to strengthen the Shoals economy. Their vision for the bank and for the economic vitality of the region have allowed First Southern to increase its ability to serve our customers.

And we’ve grown. Today, First Southern Bank provides full service banking to individuals, families, and businesses in person at one of our five offices in Lauderdale and Colbert Counties, and online to many more.

At First Southern Bank – Our commitment continues . . . one customer at a time.

Report a lost or stolen Debit card

Lost Debit Card

If you need to report a lost or stolen Debit Card issued by First Southern Bank, please call


Lost Credit card

If you need to report a lost or stolen Credit Card issued by First Southern Bank, please call