BanksFIRSTSTATE BANK

FIRSTSTATE BANK

LINEVILLE, ALSmallEst. Aug. 24, 1971, midnightFDIC #20468RSSD #540739FDIC
Latest · 2025-12-31

FIRSTSTATE BANK is an 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%. CET1 capital ratio: 6.65%. NPL ratio: 0.78% · Texas Ratio: 6.93%. Operates 3 domestic branches.

Assets
$352M
Deposits
$327M
Loans
$151M
Equity
$23M

Profitability

Return on Assets (ROA)1.36%
Return on Equity (ROE)20.85%
Net Interest Margin3.82%
Yield on Assets5.80%
Cost of Funds1.96%

Asset Quality

NPL Ratio0.78%
Net Charge-Off Ratio0.16%
Texas Ratio6.93%
NPA Ratio0.50%
ACL / Loans1.32%

Capital & Liquidity

CET1 Ratio6.65%
Tier 1 Capital6.65%
Total Capital Ratio6.98%
Leverage Ratio10.95%
Loan-to-Deposit46.09%

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