First Southern State Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 12985.29 percentage points lower than in Q1 2026, at 842.62%. First Southern State Bank ranks 25th of 93 Alabama banks on return on assets, in the upper half at 1.47% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. First Southern State Bank sits 0.22 points higher, at 1.47% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.59% |
| Equity capital to assets | 8.97% |
| Tangible equity to tangible assets | 8.49% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.14% |
| Non-performing assets ratio | 0.23% |
| Net charge-off ratio | 0.09% |
| Texas ratio | 3.11% |
| Allowance for credit losses to loans | 1.21% |
| Reserve coverage of non-performing loans | 842.62% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.47% |
| Return on equity | 17.06% |
| Net interest margin | 3.76% |
| Efficiency ratio | 51.71% |
| Yield on earning assets | 5.43% |
| Cost of funds | 1.84% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 62.08% |
| Core deposits to total deposits | 81.45% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 90.34% |
| Securities to assets | 32.36% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 9.47% | 1.07% | 3.25% | 0.05% | 0.05% |
| Q4 2023 | 9.69% | 1.12% | 3.28% | 0.09% | 0.14% |
| Q1 2024 | 9.79% | 0.98% | 3.15% | 0.06% | 0.02% |
| Q2 2024 | 9.84% | 1.40% | 3.14% | 0.04% | 0.01% |
| Q3 2024 | 9.96% | 1.04% | 3.11% | 0.17% | 0.04% |
| Q4 2024 | 9.89% | 0.87% | 3.14% | 0.21% | 0.44% |
| Q1 2025 | 10.07% | 0.94% | 3.19% | 0.08% | 0.10% |
| Q2 2025 | 10.05% | 1.15% | 3.44% | 0.04% | 0.07% |
| Q3 2025 | 10.19% | 1.39% | 3.51% | 0.04% | 0.02% |
| Q4 2025 | 10.30% | 1.30% | 3.62% | 0.01% | 0.24% |
| Q1 2026 | 10.42% | 1.37% | 3.68% | 0.01% | 0.14% |
| Q2 2026 | 10.59% | 1.47% | 3.76% | 0.14% | 0.09% |
First Southern State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Southern State Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First Southern State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2829) · FFIEC NIC profile (RSSD 246134)