First Southern State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Southern State Bank of Stevenson, AL against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.47% | 1.34% | +0.13% | 61st above |
| ROAE | 17.06% | 13.32% | +3.74% | 76th top |
| Net Interest Margin | 3.76% | 3.93% | -0.17% | 40th below |
| Efficiency Ratio | 51.71% | 61.14% | -9.43% | 77th top |
| PPNR / Avg Assets | 1.94% | 1.68% | +0.26% | 69th above |
| Yield on Earning Assets | 5.43% | 5.67% | -0.24% | 41st below |
| Cost of Funds Ahead of the peer average, behind the median peer. | 1.84% | 1.88% | -0.04% | 47th below |
| Net Interest Spread | 3.43% | 3.32% | +0.11% | 55th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.14% | 0.94% | -0.80% | 69th above |
| NPA / Total Assets | 0.23% | 0.70% | -0.47% | 57th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.09% | 0.16% | -0.07% | 19th bottom |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.21% | 1.28% | -0.07% | 51st above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 842.62% | 1546.79% | -704.17% | 80th top |
| Texas Ratio | 3.11% | 7.34% | -4.23% | 52nd above |
| Provision / NCO Behind the peer average, ahead of the median peer. | 173.43% | 1396.47% | -1223.04% | 55th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.59% | 12.14% | -1.55% | 43rd below |
| Equity / Assets | 8.97% | 11.37% | -2.40% | 27th below |
| TCE / Tangible Assets | 8.49% | 11.09% | -2.60% | 23rd bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 62.08% | 80.68% | -18.60% | 81st top |
| Core Deposit Ratio | 81.45% | 86.85% | -5.40% | 19th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.51% | 6.84% | -2.33% | 51st above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.51% | 7.92% | -2.41% | 51st above |
| Deposit Growth (Y/Y) | 3.16% | 6.29% | -3.13% | 44th below |
See First Southern State Bank's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Southern State Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full First Southern State Bank profile, how to read a UBPR, or how this data updates.