First South Bancorp (fka FSBS)

[illegal_alias]

Hope so, too, but look at the chart of any bank, and you don't shed that much that fast. At best maybe 35 percentage points in a quarter - they are at 400 or so. Also, the trend is up, not down. All of the banks that have been closed in the past year an a half had ratios over 150, though the vast majority over 200. FSBS's worries me that regulators would come in and shut it down.

Their Tier 1 Capital ratios are significantly below where they need to be, then another red flag. Plus, they are losing money.

Doesn't add up as a viable bank. I'll pass.