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First State Bank of the South, Inc.

$100M-$1B Specialty: Other AL FDIC cert 21050

Sulligent, AL

5 branches across AL

2664 banks in the $100M-$1B peer group nationally 64 in AL
View $100M-$1B leaderboard (AL) →

First State Bank of the South, Inc. has 3 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Net Interest Margin 0.09% above tier average
  • + Efficiency Ratio 1.05% below tier average
  • + Delinquency Rate 0.36% below tier average

Key Concerns

Areas that may need attention

  • - ROA 0.19% below tier average
Get updates when First State Bank of the South, Inc. releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Total Assets ? $129.4M
-3.2% YoY -0.6% QoQ
-$256.7M $386.1M
+0.5% YoY
$2.5B
+0.2% YoY
$6.2B
+9.1% YoY
Bottom 8.4% in tier
Total Loans ? $60.6M
+3.3% YoY +0.2% QoQ
-$195.2M $255.7M
+1.1% YoY
$1.5B
+2.4% YoY
$3.2B
+10.8% YoY
Bottom 5.0% in tier
Total Deposits ? $108.2M
-3.0% YoY -0.9% QoQ
-$219.8M $328.0M
+0.1% YoY
$2.1B
-0.2% YoY
$4.8B
+8.2% YoY
Bottom 7.9% in tier
Return on Assets ? 1.08%
+16.7% YoY +1.6% QoQ
-0.19% 1.27%
+12.9% YoY
0.78%
-19.5% YoY
1.23%
+13.4% YoY
43%
Net Interest Margin ? 4.02%
+8.3% YoY +5.0% QoQ
+0.09% 3.93%
+6.0% YoY
3.99%
+5.2% YoY
3.89%
+5.7% YoY
58%
Efficiency Ratio ? 64.23%
-8.4% YoY -4.7% QoQ
-1.05% 65.29%
-4.5% YoY
72.13%
+5.1% YoY
66.95%
-4.1% YoY
47%
Delinquency Rate ? 0.53%
-18.7% YoY -54.0% QoQ
-0.36% 0.89%
+18.8% YoY
1.09%
+24.8% YoY
0.95%
+18.8% YoY
44%
Loan-to-Deposit Ratio ? 55.98%
+6.6% YoY +1.1% QoQ
-20.65% 76.64%
+0.8% YoY
67.08%
+2.0% YoY
76.70%
+0.9% YoY
Top 14.5% in tier
Non-Interest-Bearing Deposit Share ? 24.93%
+2.0% YoY +4.4% QoQ
+2.91% 22.02%
-1.0% YoY
23.89%
+0.0% YoY
22.01%
-1.2% YoY
66%
Nonperforming Asset Ratio ? 1.08%
+73.1% YoY +10.2% QoQ
+0.44% 0.64%
+19.7% YoY
0.71%
+24.8% YoY
0.67%
+19.3% YoY
18%
Tier 1 Capital Ratio ? 16.33%
+2.1% YoY +2.7% QoQ
+0.50% 15.83%
+1.5% YoY
16.96%
+13.8% YoY
17.06%
+0.8% YoY
74%
Non-Interest Income / Assets ? 0.13%
-5.9% YoY -79.0% QoQ
-0.15% 0.28%
+9.3% YoY
0.16%
-16.3% YoY
0.32%
+4.1% YoY
65%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2664 peers in $100M-$1B

Top Strengths (1 metrics)

386
Loan-to-Deposit Ratio
liquidity
Value: 55.98%
Peer Median: 76.64%
#386 of 2664 Top 14.5% in $100M-$1B

Top Weaknesses (4 metrics)

2531
Total Loans
size
Value: $60.55M
Peer Median: $255.72M
#2531 of 2664 Bottom 5.0% in $100M-$1B
2454
Total Deposits
size
Value: $108.17M
Peer Median: $327.97M
#2454 of 2664 Bottom 7.9% in $100M-$1B
2440
Total Assets
size
Value: $129.43M
Peer Median: $386.08M
#2440 of 2664 Bottom 8.4% in $100M-$1B
2182
Nonperforming Asset Ratio
credit_quality
Value: 1.08%
Peer Median: 0.64%
#2182 of 2664 Bottom 18.1% in $100M-$1B
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