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First Southern State Bank
Stevenson, AL · FDIC Certificate #2829 · Chartered 10/0
Total assets
$893.48M
Total deposits
$807.18M
Total equity
$80.13M
Net loans
$495.03M
Branches (offices)
11
Net income (YTD)
$6.46M
Rank: #1,152 of 4,213 U.S. banks by assets · #20 of 93 in Alabama. Assets changed 4.5% and deposits 3.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.46% |
| Return on equity | 16.53% |
| Net interest margin (YTD) | 3.80% |
| Equity to assets | 8.97% |
| Tier 1 leverage ratio | 10.59% |
| Uninsured deposits (share of deposits) | 31.9% |
| Noncurrent loans (share of loans) | 0.25% |
| Net charge-offs (share of loans) | 0.12% |
| Loans to deposits | 61.3% |
| Real estate loans (share of loans) | 78.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $389.54M | 78.7% | |
| Commercial & industrial | $52.36M | 10.6% | |
| Consumer / individual | $32.77M | 6.6% | |
| Construction & development | $49.62M | 10.0% | |
| Agricultural | $12.42M | 2.5% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $742.95M | $695.19M | $4.15M | $44.49M |
| Jun 2023 | $772.05M | $720.66M | $4.52M | $46.55M |
| Jun 2024 | $807.00M | $744.87M | $4.97M | $55.90M |
| Jun 2025 | $854.96M | $782.44M | $4.55M | $66.06M |
| Jun 2026 | $893.48M | $807.18M | $6.46M | $80.13M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Alabama | $807.18M | 11 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $807.18M.
Similar-sized banks
21St Century Bank ($894.83M) · United Bank & Trust ($892.91M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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