Firststate Bank
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Data as of · sourced from FFIEC call reports. How we update
Firststate Bank is an FDIC-insured commercial bank headquartered in Lineville, AL, established in 1971 (FDIC certificate 20468), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $349.4M, up 3.1% from Q2 2025, the 46th largest of 93 banks headquartered in Alabama. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.14% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 20468
- Headquarters
- Lineville, AL
- Established
- 1971
- Total assets, Q2 2026
- $349.4M
- Assets vs Q2 2025
- +3.1%
- Tier 1 leverage ratio, Q2 2026
- 11.14%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 062201892
- Holding company
- FIRST STATE CAPITAL CORPORATION
- Asset rank in state
- 46th of 93 in Alabama
Firststate Bank, based in Lineville, Alabama, reported $349 million in assets at June 30, 2026, up 3.1% from a year earlier. It holds commercial real estate loans equal to only 27% of its capital, a small fraction of the median of 1.2 times for the 2,660 banks with $100 million to $1 billion in assets. It also shrank its loan book 1.6% over the year, lower than about three-quarters of banks its size (median 5.5%).
Paper losses on its bond portfolio are shrinking: unrealized losses of $22 million equal 54% of Tier 1 capital, down from 66% a year earlier. Net income for the quarter slipped 19% from a year earlier, to $673,000. Profitability lags: it earns about $0.74 a year on every $100 of assets, lower than about three-quarters of banks its size (median $1.28).
As of June 30, 2026, Firststate Bank reported a return on assets of 0.74%, a nonperforming-loan ratio of 0.72% and a Texas ratio of 6.73%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Firststate Bank is the 46th largest of the 93 banks headquartered in Alabama. Between Q1 2026 and Q2 2026, its total assets rose 0.3% to $349.4M, loans were flat and deposits were flat. Its loan book on June 30, 2026 was led by farmland and other real estate loans, at 32.1% of total loans, followed by 1-4 family residential loans at 28.9%. The FDIC Summary of Deposits lists 3 offices for it, in Lineville, AL, Ashland, AL and Wedowee, AL; its Lineville office books 46% of its branch deposits. On its Q2 2026 call report, Firststate Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 88730 Highway 9, Lineville, AL 36266
- County
- Clay
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- August 24, 1971
- Former names
- First State Bank of Clay County (1985-2003)
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 58
- Domestic deposits
- $323.9M
- Allowance for credit losses
- $1.9M
- Net charge-offs (YTD)
- $119K
- Average total assets
- $364.9M
- Average total loans
- $153.2M
- Average interest-bearing deposits
- $254.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 24, 1971
- FDIC Cert
- 20468
- Fed RSSD
- 540739
- Website
- www.firststatebank.bank →
- Parent Holding Company
- FIRST STATE CAPITAL CORPORATION (RSSD 1132980)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Firststate Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Firststate Bank's total assets ran between $304.8M (Q3 2023) and $352.1M (Q4 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$349.4M total assets against $338.8M; $325.9M total liabilities against $320.1M.
$150.9M net loans and leases against $153.1M; $323.9M total deposits against $318.0M.
$146.8M securities against $128.6M; $33.5M cash and balances due against $37.9M.
$4.5M total interest income against $4.6M; $1.5M total interest expense against $1.6M.
$3.0M net interest income against $3.0M.
$424K total noninterest income against $370K; $2.5M total noninterest expense against $2.3M.
$0 provision for credit losses against $60K.
$673K net income against $835K.
0.74% return on assets against 0.93%; 3.57% net interest margin against 3.62%.
11.14% tier 1 leverage ratio against 10.84%.
Inside the full Firststate Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirststate Bank rankings
Its closest position to the top of a national ranking is 994 of 3,640, for Texas Ratio; its furthest is 2,984 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.74% (Q2 2026) to 1.30% (Q4 2025) and its net interest margin ran from 3.45% (Q1 2025) to 3.71% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.14% | 0.74% | 0.72% | 6.73% | 3.57% |
| Q1 2026 | 11.14% | 0.74% | 0.89% | 7.88% | 3.55% |
| Q4 2025 | 10.95% | 1.30% | 0.78% | 6.93% | 3.59% |
| Q3 2025 | 11.00% | 0.92% | 1.04% | 8.58% | 3.71% |
| Q2 2025 | 10.84% | 0.93% | 0.79% | 8.20% | 3.62% |
| Q1 2025 | 11.01% | 0.78% | 0.10% | 3.00% | 3.45% |
| Q4 2024 | 11.06% | 1.04% | 0.51% | 3.94% | 3.47% |
| Q3 2024 | 11.35% | 0.83% | 0.08% | 0.52% | 3.50% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Firststate Bank (main office) | Lineville , AL | 36266 | $150.0M |
| Ashland South Branch | Ashland , AL | 36251 | $103.9M |
| Lake Wedowee Branch | Wedowee , AL | 36278 | $70.0M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in AL, rank 62 of 131 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $215K approved, $215K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1996 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Firststate Bank
What are Firststate Bank's total assets?
As of the Q2 2026 filing, Firststate Bank reported total assets of $349.4 million in its FFIEC call report.
Where is Firststate Bank headquartered?
It is headquartered in Lineville, AL, United States.
When was Firststate Bank founded?
It was established in 1971, per the FDIC institution directory.
Is Firststate Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #20468). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Firststate Bank?
Firststate Bank's primary federal regulator is the FDIC.
How many branches does Firststate Bank operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Firststate Bank's Texas Ratio?
Its Texas Ratio is 6.73% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Firststate Bank previously called?
The charter now named Firststate Bank has also operated as First State Bank of Clay County (1985-2003), per FDIC structure-change records.
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