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First Southern offers a variety of deposit accounts and innovative technologies to meet all of your financial goals. Our accounts provide secure, easy, and convenient ways to bank how, when, and where you want.

Loans

Tell us your financial goal! Our team of experienced First Southern lenders can design a flexible loan option at competitive interest rates just for you. Prompt processing will quickly turn your dreams into reality.

Ag & Business Lending

Since 1910, First Southern State Bank has been helping farms and businesses grow. Our lending options with competitive interest rates, flexible terms and rapid decisions are specifically tailored for our business and agricultural clients.

Testimonials

Thank you Jo Ann! I appreciate all of your help and communication. Look forward to working with you again in the future!
B.L. - Cullman
I have always had a great experience with both the Stevenson and the Scottsboro branch of this bank. Between Amy, Veronica, Emily, and our primary loan officer Chris Miller, they do a fantastic job of being friendly and helpful! Whenever I call I'm greeted with happy service and Chris has helped us work out our finances several times to boost our credit! He always gives us sound advice and presents his work professionally, and we feel comfortable asking him any questions. I refuse to bank with anyone else because First Southern treats us with such respect and so personally.
Adri Rice
Best bank around our area.
Great people to work with you.
Debbie Holman
Ms. Higginbotham -
Thank you sooo much for everything you have done!! All my crazy questions and taking the time to take care of us!!
We can’t thank you enough!!
MJC
MJC
Well about 5 years ago I could not get a loan from anyone, my credit was terrible.
So I went to First Southern in Stevenson, I waited to talk to the president of the bank.( Jack Lovelady).. I didn't go in needing a large loan I needed someone to have a little trust in me. To help build my credit back up.. so happy to say they are my go to when I need anything..
Thankful for the great people at first Southern
Allan Hoover
Cole Justice was professional and timely during my commercial loan process. He made sure we closed on time and all details were communicated thourouly. I would highly recommend Mr Justice for all banking needs!
Randy Posey