First Southern State Bank
Stevenson, AL
IDRSSD: 246134
Total Assets
$877.16M
Latest filing
Total Deposits
$794.58M
Latest filing
Net Interest Margin
3.66%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
First Southern State Bank
80 Bank St
Stevenson, AL 35772
Full Service - Brick and Mortar
Updated 01/30/2026Established 10/01/1910FDIC Certificate 1850
Branches (10)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| First Southern State Bank (Main) | 80 Bank St | Stevenson, AL |
| RAINSVILLE BRANCH | 403 Main St W | Rainsville, AL |
| FORT PAYNE BRANCH | 1820 Glenn Blvd Sw | Fort Payne, AL |
| HIGDON BRANCH | 30158 Alabama 71 | Bryant, AL |
| SCOTTSBORO BRANCH | 20 Micah Way | Scottsboro, AL |
| LEESBURG BRANCH | 200 Industrial Blvd | Leesburg, AL |
| VANTAGE BANK BRANCH | 407 N Broad St | Albertville, AL |
| CROSSVILLE BRANCH | 8331 Alabama Highway 227 N | Crossville, AL |
Showing 7 of 10
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 10/01/1910 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 35772 |
| State and County Number | 01071 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 06 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | Scottsboro, AL |
Operational Info
| Number of Employees | 130 |
| Domestic Offices | 11 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.fssbank.com |
| Data Updated | 01/30/2026 |
| CERT | 2829 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $877.16M |
| Total Deposits | $794.58M |
| Total Liabilities | $800.56M |
| Total Equity Capital | $76.61M |
| Net Income | $2.91M |
| Net Loans and Leases | $479.86M |
| Assets Per Employee ($Millions) | $6.5M |
| Bank Premises and Fixed Assets | $14.78M |
| Cash and Balances due from Depository Institutions | $71.75M |
| Deposits Held in Domestic Offices | $794.58M |
Key Performance Ratios
| Return on Assets (ROA) | 1.34% |
| Return on Equity (ROE) | 15.54% |
| Net Interest Margin | 3.66% |
| Efficiency Ratio | 52.78% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.16% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.734% |
| Earning Assets to total Assets | 93.88% |
Income and Expense
| Total Interest Income | $11.32M |
| Total Noninterest Income | $1.29M |
| Total Interest Expense | $3.86M |
| Total Noninterest Expense | $4.64M |
| Net Interest Income | $7.46M |
| Pre-tax Net Operating Income | $3.76M |
| Provision for Credit Losses | $349.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $260.00k |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $5.97M |
| Total Liabilities and Capital | $877.16M |
Securities
| Securities | $279.42M |
| Available-for-sale debt securities | $279.42M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of First Southern State Bank?
$877.16M as of the latest filing.
How much are First Southern State Bank's total deposits?
$794.58M in total deposits.
Where is First Southern State Bank located?
Stevenson, AL.
What is the Net Interest Margin?
3.66%.
How many domestic offices does it operate?
11.
When was it established?
10/01/1910.
What is the Return on Assets (ROA)?
1.34%.
How much are total loans and leases?
$479.86M (latest filing).
What is the total interest income (latest filing)?
$11.32M.