First State Bank of DeKalb County
Fort Payne, AL
IDRSSD: 504535
Total Assets
$339.69M
Latest filing
Total Deposits
$286.12M
Latest filing
Net Interest Margin
5.75%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
First State Bank of DeKalb County
2407 Gault Ave N
Fort Payne, AL 35967
Full Service - Brick and Mortar
Updated 11/14/2025Established 05/19/1982FDIC Certificate 16651
Branches (4)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| First State Bank of DeKalb County (Main) | 2407 Gault Ave N | Fort Payne, AL |
| RAINSVILLE BRANCH | 246 Main St | Rainsville, AL |
| FORT PAYNE BRANCH | 500 Gault Ave S | Fort Payne, AL |
| HENAGAR BRANCH | 17583 Alabama Highway 75 | Henagar, AL |
| GRANT BRANCH | 4770 Main St | Grant, AL |
Showing 4 of 4
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
Similar banks
First Fidelity Bank
Fort Payne, Alabama
→
Assets: $157.45MΔ -53.7%
FirstState Bank
Lineville, Alabama
→
Assets: $338.80MΔ -0.4%
Marion Community Bank
Marion, Alabama
→
Assets: $343.09MΔ +0.8%
AmeriFirst Bank
Montgomery, Alabama
→
Assets: $346.23MΔ +1.7%
Pinnacle Bank
Jasper, Alabama
→
Assets: $353.22MΔ +3.8%
Phenix-Girard Bank
Phenix City, Alabama
→
Assets: $323.28MΔ -5.0%
Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 05/19/1982 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 35967 |
| State and County Number | 01049 |
| 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 | Fort Payne, AL |
Operational Info
| Number of Employees | 56 |
| Domestic Offices | 5 |
| 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 | 05/19/1982 |
| Primary Insurance Agency | DIF |
| Website | www.fsbal.com |
| Data Updated | 11/14/2025 |
| CERT | 23815 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $339.69M |
| Total Deposits | $286.12M |
| Total Liabilities | $295.51M |
| Total Equity Capital | $44.18M |
| Net Income | $2.01M |
| Net Loans and Leases | $194.63M |
| Assets Per Employee ($Millions) | $6.18M |
| Bank Premises and Fixed Assets | $3.96M |
| Cash and Balances due from Depository Institutions | $20.79M |
| Deposits Held in Domestic Offices | $286.12M |
Key Performance Ratios
| Return on Assets (ROA) | 2.37% |
| Return on Equity (ROE) | 18.78% |
| Net Interest Margin | 5.75% |
| Efficiency Ratio | 40.19% |
| Tier 1 Risk-Based Capital Ratio | 18.553% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.25% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 13.005% |
| Earning Assets to total Assets | 93.07% |
Income and Expense
| Total Interest Income | $5.52M |
| Total Noninterest Income | $405.00k |
| Total Interest Expense | $953.00k |
| Total Noninterest Expense | $2.04M |
| Net Interest Income | $4.57M |
| Pre-tax Net Operating Income | $2.73M |
| Provision for Credit Losses | $211.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $170.00k |
| Other borrowed funds | $8.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $25.01M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.39M |
| Total Liabilities and Capital | $339.69M |
Securities
| Securities | $83.59M |
| Available-for-sale debt securities | $78.40M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $5.25M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of First State Bank of DeKalb County?
$339.69M as of the latest filing.
How much are First State Bank of DeKalb County's total deposits?
$286.12M in total deposits.
Where is First State Bank of DeKalb County located?
Fort Payne, AL.
What is the Net Interest Margin?
5.75%.
How many domestic offices does it operate?
5.
When was it established?
05/19/1982.
What is the Return on Assets (ROA)?
2.37%.
How much are total loans and leases?
$194.63M (latest filing).
What is the total interest income (latest filing)?
$5.52M.