First State Bank of the South, Inc.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First State Bank of the South, Inc. of Sulligent, AL against its peer group of 2672 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 | 1.01% | 1.35% | -0.34% | 34th below |
| ROAE | 6.70% | 12.06% | -5.36% | 20th bottom |
| Net Interest Margin | 3.95% | 3.90% | +0.05% | 50th above |
| Efficiency Ratio | 66.58% | 63.15% | +3.43% | 36th below |
| PPNR / Avg Assets | 1.30% | 1.64% | -0.34% | 34th below |
| Yield on Earning Assets | 5.58% | 5.65% | -0.07% | 49th below |
| Cost of Funds | 1.80% | 1.85% | -0.05% | 50th above |
| Net Interest Spread | 3.24% | 3.35% | -0.11% | 46th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.18% | 0.92% | -0.74% | 66th above |
| NPA / Total Assets | 0.91% | 0.67% | +0.24% | 22nd bottom |
| NCO / Avg Loans | -0.03% | 0.15% | -0.18% | 92nd top |
| ACL / Total Loans | 1.14% | 1.28% | -0.14% | 43rd below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 640.20% | 1645.57% | -1005.37% | 76th top |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.98% | 7.15% | -1.17% | 35th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 16.38% | 12.46% | +3.92% | 91st top |
| Equity / Assets | 15.16% | 11.67% | +3.49% | 89th top |
| TCE / Tangible Assets | 15.16% | 11.40% | +3.76% | 90th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 52.41% | 78.65% | -26.24% | 90th top |
| Core Deposit Ratio | 93.45% | 87.09% | +6.36% | 76th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.44% | 6.48% | -6.92% | 17th bottom |
| Loan Growth (Y/Y) | -2.13% | 7.64% | -9.77% | 15th bottom |
| Deposit Growth (Y/Y) | 0.49% | 6.03% | -5.54% | 26th below |
See First State Bank of the South, Inc.'s peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First State Bank of the South, Inc., 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 State Bank of the South, Inc. profile, how to read a UBPR, or how this data updates.