FIRSTSTATE BANK

LINEVILLE, AL | Small | Est. Aug. 24, 1971, midnight | FDIC #20468 | RSSD #540739 | FDIC
Latest Report: 2025-12-31

FIRSTSTATE BANK is asn small FDIC-insured commercial bank headquartered in LINEVILLE, AL, established in Aug. 24, 1971, midnight. As of 2025-12-31, the bank reported total assets of $352M and total deposits of $327M. Profitability stands at 1.36% ROA and 20.85% ROE, with a net interest margin of 3.82%. The bank's CET1 capital ratio is 6.65%. Asset quality metrics show a non-performing loan ratio of 0.78% and a Texas Ratio of 6.93%. FDIC Certificate #20468.

Assets

$352M

Deposits

$327M

Loans

$151M

Equity

$23M

Profitability

Return on Assets (ROA) 1.36%
Return on Equity (ROE) 20.85%
Net Interest Margin (NIM) 3.82%
Yield on Assets 5.80%
Cost of Funds 1.96%

Asset Quality

NPL Ratio 0.78%
Net Charge-Off Ratio 0.16%
Texas Ratio 6.93%
NPA Ratio 0.50%
ACL / Loans 1.32%

Capital & Liquidity

CET1 Ratio 6.65%
Tier 1 Capital 6.65%
Total Capital Ratio 6.98%
Leverage Ratio 10.95%
Loan-to-Deposit 46.09%

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