Total Assets
$877M
Total balance-sheet footings
FDIC Cert #2829 · Stevenson, Alabama · Est. 1910
First Southern State Bank - FDIC Bank Health Profile
A community-scale look at First Southern State Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $877M
- Total assets
- A
- Health grade · Excellent
- 1.24%
- Return on assets
- 10.3%
- Tier 1 capital
Data updated July 2026
The verdict
First Southern State Bank earns a PlainBankData health grade of A (80/100), with well-capitalized at 10.30% Tier 1, profitable at 1.24% ROA, efficient (56% cost ratio).
- #1,174
- largest of 4,313 FDIC banks by assets
- 73rd
- percentile by asset size, nationally
- 10.30%
- Tier 1 ratio - above the 10% well-capitalized line
- 60th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How First Southern State Bank's 80/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
First Southern State Bank's composite health score
Tier 1 Capital Ratio (10.30%) 28/40
Return on Assets (ROA) (1.24%) 20/25
Texas Ratio (0.41%) 20/20
Efficiency Ratio (55.64%) 12/15
80 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$795M
Customer-funded liabilities
Net Loans
$480M
Outstanding loan book
Net Income
$11M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where First Southern State Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First Southern State Bank's score of 80/100 falls in the highlighted band.
First Southern State Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). First Southern State Bank's $877M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
10.30% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
10.30%
Texas Ratio
0.41%
Equity Capital
$77M
Profitability metrics
Return on Assets (ROA)
60th percentile nationally
1.24%
Return on Equity (ROE)
15.53%
Efficiency Ratio
55.64%
What the numbers say about First Southern State Bank
First Southern State Bank is an FDIC-insured institution (Certificate #2829) headquartered in Stevenson, Alabama, established in 1910. It holds $877M in total assets - 1,174th of 4,313 FDIC-insured banks, $795M in customer deposits, and $480M in net loans. Looking at capital strength, Tier 1 stands at 10.30%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 0.41%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of A (80/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Alabama, First Southern State Bank ranks 19th of 94 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$44M
Interest Income
$5M
Non-Interest Income
$18M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. First Southern State Bank reports a Texas Ratio of 0.41% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.41% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Alabama by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First Southern State Bank (FDIC Cert #2829) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Alabama
All Alabama banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Regions BankBirmingham | $157.4B | A | 1.43% |
| ServisFirst BankBirmingham | $17.7B | A | 1.58% |
| River Bank & TrustPrattville | $3.8B | A | 1.18% |
| Bank IndependentSheffield | $3.0B | B | 1.01% |
| Bryant BankTuscaloosa | $2.9B | A | 1.69% |
| CB&S Bank, Inc.Russellville | $2.9B | C | 0.85% |
| Oakworth Capital BankBirmingham | $2.0B | B | 1.17% |
| Troy Bank & Trust CompanyTroy | $1.6B | A | 1.34% |
Frequently asked questions
What is First Southern State Bank's health grade?▼
First Southern State Bank receives a health grade of A (80/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is First Southern State Bank?▼
First Southern State Bank holds $877M in total assets and $795M in deposits, ranking 1,174th of 4,313 FDIC-insured banks by asset size. It is headquartered in Stevenson, Alabama.
Is my money safe at First Southern State Bank?▼
Yes, deposits at First Southern State Bank (Certificate #2829) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is First Southern State Bank's Tier 1 Capital Ratio?▼
First Southern State Bank has a Tier 1 Capital Ratio of 10.30%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for First Southern State Bank?▼
First Southern State Bank has a Texas Ratio of 0.41%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is First Southern State Bank?▼
First Southern State Bank has an Efficiency Ratio of 55.64%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read First Southern State Bank's profile as a depositor or analyst.
- First Southern State Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare First Southern State Bank against other Alabama banks before moving funds. Alabama banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.