Banks FIRST STATE BANK OF DEKALB COUNTY, INC.

FIRST STATE BANK OF DEKALB COUNTY, INC.

FORT PAYNE, AL Small Est. May 19, 1982, midnight FDIC #23815 RSSD #504535 FDIC
Latest · 2025-12-31

FIRST STATE BANK OF DEKALB COUNTY, INC. is an FDIC-insured commercial bank headquartered in FORT PAYNE, AL, established in May 19, 1982, midnight. As of 2025-12-31, the bank reported total assets of $356M and total deposits of $304M. Profitability stands at 2.04% ROA and 15.85% ROE, with a net interest margin of 5.40%. CET1 capital ratio: 22.95%, well above regulatory minimums. NPL ratio: 1.01% · Texas Ratio: 4.44%.

Assets
$356M
Deposits
$304M
Loans
$193M
Equity
$45M

Profitability

Return on Assets (ROA)2.04%
Return on Equity (ROE)15.85%
Net Interest Margin5.40%
Yield on Assets6.62%
Cost of Funds1.29%

Asset Quality

NPL Ratio1.01%
Net Charge-Off Ratio0.19%
Texas Ratio4.44%
NPA Ratio0.60%
ACL / Loans1.39%

Capital & Liquidity

CET1 Ratio22.95%
Tier 1 Capital22.95%
Total Capital Ratio24.20%
Leverage Ratio13.50%
Loan-to-Deposit63.53%

This is just the summary.

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