Total Assets
$130M
Total balance-sheet footings
FDIC Cert #21050 · Sulligent, Alabama · Est. 1973
First State Bank of the South, Inc. - FDIC Bank Health Profile
A community-scale look at First State Bank of the South, Inc.'s own numbers, pulled straight from its quarterly FDIC Call Report.
- $130M
- Total assets
- A
- Health grade · Excellent
- 1.06%
- Return on assets
- 15.9%
- Tier 1 capital
Data updated July 2026
The verdict
First State Bank of the South, Inc. earns a PlainBankData health grade of A (88/100), with well-capitalized at 15.90% Tier 1, profitable at 1.06% ROA, 67% efficiency ratio.
- #3,515
- largest of 4,313 FDIC banks by assets
- 18th
- percentile by asset size, nationally
- 15.90%
- Tier 1 ratio - above the 10% well-capitalized line
- 48th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How First State Bank of the South, Inc.'s 88/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
First State Bank of the South, Inc.'s composite health score
Tier 1 Capital Ratio (15.90%) 40/40
Return on Assets (ROA) (1.06%) 20/25
Texas Ratio (3.46%) 20/20
Efficiency Ratio (67.42%) 8/15
88 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$109M
Customer-funded liabilities
Net Loans
$60M
Outstanding loan book
Net Income
$1M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where First State Bank of the South, Inc. ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First State Bank of the South, Inc.'s score of 88/100 falls in the highlighted band.
First State Bank of the South, Inc.'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 State Bank of the South, Inc.'s $130M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
15.90% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
15.90%
Texas Ratio
3.46%
Equity Capital
$19M
Profitability metrics
Return on Assets (ROA)
48th percentile nationally
1.06%
Return on Equity (ROE)
7.51%
Efficiency Ratio
67.42%
What the numbers say about First State Bank of the South, Inc.
First State Bank of the South, Inc. is an FDIC-insured institution (Certificate #21050) headquartered in Sulligent, Alabama, established in 1973. It holds $130M in total assets - 3,515th of 4,313 FDIC-insured banks, $109M in customer deposits, and $60M in net loans. Capital-wise, the Tier 1 ratio sits at 15.90%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 3.46%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of A (88 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
First State Bank of the South, Inc. is a community-scale institution -- 75th of 94 FDIC-insured banks headquartered in Alabama by asset size. Its modest footprint doesn't diminish its role: community banks this size are typically the primary lender for small local businesses and agricultural borrowers that larger regional banks tend to underserve.
Income & expense breakdown
$7M
Interest Income
$780K
Non-Interest Income
$4M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. First State Bank of the South, Inc. reports a Texas Ratio of 3.46% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
3.46% - 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 State Bank of the South, Inc. (FDIC Cert #21050) - 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 State Bank of the South, Inc.'s health grade?▼
First State Bank of the South, Inc. receives a health grade of A (88/100) 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 State Bank of the South, Inc.?▼
First State Bank of the South, Inc. holds $130M in total assets and $109M in deposits, ranking 3,515th of 4,313 FDIC-insured banks by asset size. It is headquartered in Sulligent, Alabama.
Is my money safe at First State Bank of the South, Inc.?▼
Yes, deposits at First State Bank of the South, Inc. (Certificate #21050) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is First State Bank of the South, Inc.'s Tier 1 Capital Ratio?▼
First State Bank of the South, Inc. has a Tier 1 Capital Ratio of 15.90%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for First State Bank of the South, Inc.?▼
First State Bank of the South, Inc. has a Texas Ratio of 3.46%. Staying under 50% is the level analysts treat as 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 State Bank of the South, Inc.?▼
First State Bank of the South, Inc. has an Efficiency Ratio of 67.42%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read First State Bank of the South, Inc.'s profile as a depositor or analyst.
- First State Bank of the South, Inc.'s grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare First State Bank of the South, Inc. 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.