First State Bank of the South, Inc.
Sulligent, AL
IDRSSD: 250430
Total Assets
$130.23M
Latest filing
Total Deposits
$109.11M
Latest filing
Net Interest Margin
4.03%
Profitability
Key People
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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 01/30/2026Established 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
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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 | 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 | 35 |
| 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 | 01/30/2026 |
| CERT | 21050 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $130.23M |
| Total Deposits | $109.11M |
| Total Liabilities | $110.83M |
| Total Equity Capital | $19.40M |
| Net Income | $355.00k |
| Net Loans and Leases | $60.45M |
| Assets Per Employee ($Millions) | $3.72M |
| Bank Premises and Fixed Assets | $4.04M |
| Cash and Balances due from Depository Institutions | $3.53M |
| Deposits Held in Domestic Offices | $109.11M |
Key Performance Ratios
| Return on Assets (ROA) | 1.1% |
| Return on Equity (ROE) | 7.33% |
| Net Interest Margin | 4.03% |
| Efficiency Ratio | 66.04% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.01% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 14.898% |
| Earning Assets to total Assets | 89.86% |
Income and Expense
| Total Interest Income | $1.68M |
| Total Noninterest Income | $159.00k |
| Total Interest Expense | $518.00k |
| Total Noninterest Expense | $873.00k |
| Net Interest Income | $1.16M |
| Pre-tax Net Operating Income | $446.00k |
| Provision for Credit Losses | $3.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $585.00k |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $7.99M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.71M |
| Total Liabilities and Capital | $130.23M |
Securities
| Securities | $48.34M |
| Available-for-sale debt securities | $47.84M |
| Equity securities with readily determinable fair values not held for trading | — |
| 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.?
$130.23M as of the latest filing.
How much are First State Bank of the South, Inc.'s total deposits?
$109.11M in total deposits.
Where is First State Bank of the South, Inc. located?
Sulligent, AL.
What is the Net Interest Margin?
4.03%.
How many domestic offices does it operate?
5.
When was it established?
04/20/1973.
What is the Return on Assets (ROA)?
1.1%.
How much are total loans and leases?
$60.45M (latest filing).
What is the total interest income (latest filing)?
$1.68M.