First State Bank of the South, Inc.: 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: 298.48 percentage points higher than in Q1 2026, at 640.20%. First State Bank of the South, Inc. ranks 56th of 93 Alabama banks on return on assets, in the lower half at 1.01% (Q2 2026). First State Bank of the South, Inc. reported 1.01% on return on assets for Q2 2026, 0.25 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 16.38% |
| Equity capital to assets | 15.16% |
| Tangible equity to tangible assets | 15.16% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.18% |
| Non-performing assets ratio | 0.91% |
| Net charge-off ratio | -0.03% |
| Texas ratio | 5.98% |
| Allowance for credit losses to loans | 1.14% |
| Reserve coverage of non-performing loans | 640.20% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.01% |
| Return on equity | 6.70% |
| Net interest margin | 3.95% |
| Efficiency ratio | 66.58% |
| Yield on earning assets | 5.58% |
| Cost of funds | 1.80% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 52.41% |
| Core deposits to total deposits | 93.45% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 83.51% |
| Securities to assets | 38.65% |
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 | 16.64% | 1.03% | 3.99% | 0.01% | 0.01% |
| Q4 2023 | 16.43% | 1.04% | 3.98% | 0.01% | 0.00% |
| Q1 2024 | 16.26% | 0.84% | 3.60% | 0.48% | 0.00% |
| Q2 2024 | 15.75% | 0.79% | 3.43% | 0.07% | 0.05% |
| Q3 2024 | 16.43% | 0.92% | 3.76% | 0.08% | 0.01% |
| Q4 2024 | 15.86% | 0.93% | 3.72% | 0.08% | 0.01% |
| Q1 2025 | 15.99% | 0.96% | 3.80% | 0.08% | 0.02% |
| Q2 2025 | 15.57% | 0.92% | 3.74% | 0.07% | 0.01% |
| Q3 2025 | 16.39% | 1.32% | 3.97% | 0.35% | 0.01% |
| Q4 2025 | 15.90% | 1.09% | 4.04% | 0.38% | 0.00% |
| Q1 2026 | 16.33% | 1.09% | 4.05% | 0.31% | 0.01% |
| Q2 2026 | 16.38% | 1.01% | 3.95% | 0.18% | -0.03% |
First State Bank of the South, Inc. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First State Bank of the South, Inc., 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 State Bank of the South, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21050) · FFIEC NIC profile (RSSD 250430)