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First Southern State Bank

$100M-$1B Specialty: Commercial AL FDIC cert 2829

Stevenson, AL

11 branches across AL

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 63 in AL.
  • Deposits +3.2% year over year ($807.2M on the books).
  • Delinquency rate 0.25%.
  • Return on assets 1.46%.
  • Efficiency ratio 53.02% vs a 64.48% peer average.
  • Loan-to-deposit ratio 61.33% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 63 in AL
View $100M-$1B leaderboard (AL) →

First Southern State Bank has 3 strengths but faces 5 concerns

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

  • + ROA 0.14% above tier average
  • + Efficiency Ratio 11.46% below tier average
  • + Delinquency Rate 0.67% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 18.7% in tier
  • - Credit Risk Growth: Bottom 18.9% in tier
  • - Capital Thin: Bottom 49.3% in tier
  • - Non-Interest-Bearing Deposit Share 14.10% below tier average
  • - Net Interest Margin 0.19% below tier average
Get updates when First Southern State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Total Assets ? $893.5M
+4.5% YoY +1.0% QoQ
+$506.9M $386.6M
+1.2% YoY
$2.5B
+1.5% YoY
$6.3B
+7.7% YoY
Top 4.1% in tier
Total Loans ? $495.0M
+5.5% YoY +0.5% QoQ
+$236.7M $258.3M
+1.7% YoY
$1.6B
+2.8% YoY
$3.2B
+9.4% YoY
Top 11.9% in tier
Total Deposits ? $807.2M
+3.2% YoY +0.9% QoQ
+$480.4M $326.7M
+0.7% YoY
$2.1B
+0.3% YoY
$4.9B
+7.3% YoY
Top 1.7% in tier
Return on Assets ? 1.46%
+34.7% YoY +4.0% QoQ
+0.14% 1.32%
+10.8% YoY
0.89%
-13.0% YoY
1.30%
+12.1% YoY
63%
Net Interest Margin ? 3.80%
+12.3% YoY +2.2% QoQ
-0.19% 3.99%
+5.0% YoY
4.02%
+3.4% YoY
3.95%
+4.9% YoY
42%
Efficiency Ratio ? 53.02%
-10.1% YoY +0.2% QoQ
-11.46% 64.48%
-3.2% YoY
69.53%
+4.0% YoY
70.05%
+2.5% YoY
77%
Delinquency Rate ? 0.25%
+41.9% YoY +773.1% QoQ
-0.67% 0.92%
+15.7% YoY
1.13%
+25.5% YoY
0.98%
+16.3% YoY
62%
Loan-to-Deposit Ratio ? 61.33%
+2.3% YoY -0.4% QoQ
-16.62% 77.95%
+1.0% YoY
67.62%
+0.9% YoY
79.03%
+2.3% YoY
81%
Non-Interest-Bearing Deposit Share ? 7.93%
-1.0% YoY +2.6% QoQ
-14.10% 22.03%
-0.6% YoY
24.04%
+0.1% YoY
21.98%
-0.6% YoY
Bottom 6.8% in tier
Nonperforming Asset Ratio ? 0.28%
+142.9% YoY
-0.39% 0.67%
+16.4% YoY
0.74%
+25.2% YoY
0.69%
+15.8% YoY
53%
Tier 1 Capital Ratio ? 10.59%
+5.4% YoY +1.6% QoQ
-5.32% 15.91%
+1.4% YoY
15.01%
+1.3% YoY
17.09%
+0.8% YoY
18%
Non-Interest Income / Assets ? 0.30%
+8.5% YoY +111.3% QoQ
-0.26% 0.57%
+7.6% YoY
0.35%
-14.4% YoY
0.66%
+5.2% YoY
73%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Noninterest-Bearing 7.9%
-0.1pp YoY
+0.2pp QoQ
 -14.2pp 22.1% 24.0% 22.2% 6%
Brokered Deposits n/a n/a 7.9% 5.5% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
C&I 10.6%
+1.2pp YoY
+0.2pp QoQ
 -1.0pp 11.6% 16.9% 12.5% 56%
CRE 41.1%
-2.6pp YoY
-1.6pp QoQ
 +1.6pp 39.5% 43.5% 41.4% 56%
1-4 Family 34.6%
+0.4pp YoY
+0.8pp QoQ
 +2.0pp 32.6% 30.6% 31.3% 61%
Consumer 6.6%
-0.6pp YoY
0.0pp QoQ
 +2.5pp 4.1% 5.7% 5.0% 84%

Capital

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 15.1% 19.7% n/a
Leverage Ratio 10.6%
+0.5pp YoY
+0.2pp QoQ
 -1.6pp 12.2% 13.2% 12.6% 43%
Total Capital Ratio n/a n/a 19.9% 16.2% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Full-Time Employees 138
+5 (+3.8%) YoY
+1 (+0.7%) QoQ
 +79 58 304 482 96%
Assets per Employee ($) $6.5M
+0.7% YoY
+0.3% QoQ
 -$1.0M $7.5M $6.9M $8.8M 42%
Branch Count 11
0 YoY
0 QoQ
 +6 4 20 18 93%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Past Due 90+ Days 0.1%
0.0pp YoY
+0.1pp QoQ
 -0.2pp 0.3% 0.2% 0.4% 51%
Nonaccrual 0.1%
+0.1pp YoY
+0.1pp QoQ
 -0.8pp 0.9% 1.2% 1.0% 24%
Allowance Coverage 4.92x
-29.3% YoY
-88.4% QoQ
 -19.23x 24.15x 7.50x 20.23x 70%
Net Charge-off Rate (YTD) 0.1%
0.0pp YoY
0.0pp QoQ
 0.0pp 0.1% 0.3% 0.2% 78%

Profitability

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
ROE 16.5%
+2.1pp YoY
+0.5pp QoQ
 +4.3pp 12.2% 10.0% 11.6% 75%
Cost of Funds (YTD) 1.8%
-0.2pp YoY
0.0pp QoQ
 +0.1pp 1.7% 1.7% 1.7% 57%
Net Income ($, YTD) $6.5M
+42.2% YoY
— QoQ
 +$3.9M $2.6M $17.2M $40.4M 94%

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 (3)

Credit Quality Pressure

risk
#236 of 1256 • Bottom 18.7% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.25%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ

Credit Risk Growth

risk
#178 of 936 • Bottom 18.9% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ

Capital Thin

risk
#327 of 661 • Bottom 49.3% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 10.59%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

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 2643 peers in $100M-$1B

Top Strengths (5 metrics)

46
Total Deposits
size
Value: $807.18M
Peer Median: $326.73M
#46 of 2643 Top 1.7% in $100M-$1B
109
Total Assets
size
Value: $893.48M
Peer Median: $386.57M
#109 of 2643 Top 4.1% in $100M-$1B
316
Total Loans
size
Value: $495.03M
Peer Median: $258.35M
#316 of 2643 Top 11.9% in $100M-$1B
499
Loan-to-Deposit Ratio
liquidity
Value: 61.33%
Peer Median: 77.95%
#499 of 2643 Top 18.8% in $100M-$1B
616
Efficiency Ratio
profitability
Value: 53.02%
Peer Median: 64.48%
#616 of 2643 Top 23.3% in $100M-$1B

Top Weaknesses (2 metrics)

2463
Non-Interest-Bearing Deposit Share
funding
Value: 7.93%
Peer Median: 22.03%
#2463 of 2643 Bottom 6.8% in $100M-$1B
2167
Tier 1 Capital Ratio
capital
Value: 10.59%
Peer Median: 15.91%
#2167 of 2643 Bottom 18.0% in $100M-$1B
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