First State Bank of the South, Inc.
Sulligent, AL
IDRSSD: 250430
Total Assets
$126.91M
Latest filing
Total Deposits
$105.64M
Latest filing
Net Interest Margin
3.88%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
First State Bank of the South, Inc.
5856 Highway 278
Sulligent, AL 35586
Full Service - Brick and Mortar
Updated 11/14/2025Established 04/20/1973FDIC Certificate 14549
Branches (4)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| First State Bank of the South, Inc. (Main) | 5856 Highway 278 | Sulligent, AL |
| HAMILTON BRANCH | 240 Military St S | Hamilton, AL |
| WINFIELD BRANCH | 1836 Us Highway 43 | Winfield, AL |
| NORTHPORT BRANCH | 5520 Mcfarland Blvd | Northport, AL |
| ATHENS BRANCH | 1319 Us Highway 72 E | Athens, 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
Bank of Moundville
Moundville, Alabama
→
Assets: $135.47MΔ +3.2%
The Citizens Bank
Greensboro, Alabama
→
Assets: $127.03MΔ -3.2%
The Southern Bank Company
Gadsden, Alabama
→
Assets: $125.03MΔ -4.8%
Merchants & Farmers Bank of Greene County, Alabama
Eutaw, Alabama
→
Assets: $123.49MΔ -5.9%
Brantley Bank and Trust Company
Brantley, Alabama
→
Assets: $122.67MΔ -6.6%
The Samson Banking Company, Inc.
Samson, Alabama
→
Assets: $122.20MΔ -6.9%
Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 04/20/1973 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 35586 |
| State and County Number | 01075 |
| 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 | N/A |
Operational Info
| Number of Employees | 36 |
| 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 | 04/20/1973 |
| Primary Insurance Agency | DIF |
| Website | WWW.FIRSTSTATEBANKSOUTH.COM |
| Data Updated | 11/14/2025 |
| CERT | 21050 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $126.91M |
| Total Deposits | $105.64M |
| Total Liabilities | $107.55M |
| Total Equity Capital | $19.36M |
| Net Income | $421.00k |
| Net Loans and Leases | $59.18M |
| Assets Per Employee ($Millions) | $3.63M |
| Bank Premises and Fixed Assets | $4.06M |
| Cash and Balances due from Depository Institutions | $3.43M |
| Deposits Held in Domestic Offices | $105.64M |
Key Performance Ratios
| Return on Assets (ROA) | 1.3% |
| Return on Equity (ROE) | 8.92% |
| Net Interest Margin | 3.88% |
| Efficiency Ratio | 64.07% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 15.256% |
| Earning Assets to total Assets | 89.79% |
Income and Expense
| Total Interest Income | $1.66M |
| Total Noninterest Income | $272.00k |
| Total Interest Expense | $538.00k |
| Total Noninterest Expense | $895.00k |
| Net Interest Income | $1.13M |
| Pre-tax Net Operating Income | $502.00k |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $497.00k |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $5.26M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.91M |
| Total Liabilities and Capital | $126.91M |
Securities
| Securities | $49.27M |
| Available-for-sale debt securities | $48.77M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $500.00k |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of First State Bank of the South, Inc.?
$126.91M as of the latest filing.
How much are First State Bank of the South, Inc.'s total deposits?
$105.64M in total deposits.
Where is First State Bank of the South, Inc. located?
Sulligent, AL.
What is the Net Interest Margin?
3.88%.
How many domestic offices does it operate?
5.
When was it established?
04/20/1973.
What is the Return on Assets (ROA)?
1.3%.
How much are total loans and leases?
$59.18M (latest filing).
What is the total interest income (latest filing)?
$1.66M.