FIRST SOUTHERN STATE BANK
FIRST SOUTHERN STATE BANK is an FDIC-insured commercial bank headquartered in STEVENSON, AL, established in 1910. As of , the bank reported total assets of $877M and total deposits of $795M. Profitability stands at 1.34% ROA and 15.54% ROE, with a net interest margin of 3.52%. CET1 capital ratio: 8.24%. NPL ratio: 0.01% · Texas Ratio: 0.37%. Operates 11 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios.
First Southern State Bank rankings
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Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 8.24% | 1.34% | 0.01% | 0.37% | 3.52% |
| 2025-09-30 | 8.01% | 1.43% | 0.04% | 0.68% | 3.42% |
| 2025-06-30 | 7.21% | 1.19% | 0.04% | 0.53% | 3.35% |
| 2025-03-31 | 7.16% | 0.98% | 0.08% | 0.90% | 3.10% |
| 2024-12-31 | 6.59% | 0.91% | 0.21% | 1.60% | 3.06% |
| 2024-09-30 | 7.36% | 1.07% | 0.17% | 1.09% | 3.03% |
| 2024-06-30 | 6.36% | 1.48% | 0.04% | 0.29% | 3.06% |
| 2024-03-31 | 6.12% | 1.03% | 0.06% | 0.47% | 3.05% |
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Frequently asked about FIRST SOUTHERN STATE BANK
What are First Southern State Bank's total assets?
As of the Q4 2025 filing, First Southern State Bank reported total assets of $877.2 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is First Southern State Bank headquartered?
First Southern State Bank is headquartered in STEVENSON, AL, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was First Southern State Bank founded?
First Southern State Bank was established in 1910, per the FDIC institution directory.
Is First Southern State Bank FDIC-insured?
Yes. First Southern State Bank is an FDIC-insured commercial bank (FDIC Certificate #2829). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Southern State Bank?
First Southern State Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is First Southern State Bank's CET1 capital ratio?
First Southern State Bank reported a Common Equity Tier 1 (CET1) capital ratio of 8.24% in its most recent quarterly filing — above the regulatory minimum but inside the capital conservation buffer.
How many branches does First Southern State Bank operate?
First Southern State Bank operates 11 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is First Southern State Bank's Texas Ratio?
First Southern State Bank's Texas Ratio is 0.37% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.