BlastPoint's Banking Scorecard
First Southern State Bank
Stevenson, AL
11 branches across AL
First Southern State Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.14% above tier average
- + Efficiency Ratio 12.35% below tier average
- + Delinquency Rate 0.86% below tier average
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 14.28% below tier average
- - Net Interest Margin 0.21% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$884.2M
+5.7% YoY
+0.8% QoQ
|
+$498.1M |
$386.1M
+0.5% YoY
|
$2.5B
+0.2% YoY
|
$6.2B
+9.1% YoY
|
Top 4.5% in tier |
| Total Loans ? |
$492.4M
+6.7% YoY
+2.6% QoQ
|
+$236.6M |
$255.7M
+1.1% YoY
|
$1.5B
+2.4% YoY
|
$3.2B
+10.8% YoY
|
Top 11.8% in tier |
| Total Deposits ? |
$799.6M
+4.4% YoY
+0.6% QoQ
|
+$471.6M |
$328.0M
+0.1% YoY
|
$2.1B
-0.2% YoY
|
$4.8B
+8.2% YoY
|
Top 2.4% in tier |
| Return on Assets ? |
1.41%
+44.0% YoY
+13.4% QoQ
|
+0.14% |
1.27%
+12.9% YoY
|
0.78%
-19.5% YoY
|
1.23%
+13.4% YoY
|
63% |
| Net Interest Margin ? |
3.72%
+14.1% YoY
+6.1% QoQ
|
-0.21% |
3.93%
+6.0% YoY
|
3.99%
+5.2% YoY
|
3.89%
+5.7% YoY
|
42% |
| Efficiency Ratio ? |
52.94%
-11.9% YoY
-4.9% QoQ
|
-12.35% |
65.29%
-4.5% YoY
|
72.13%
+5.1% YoY
|
66.95%
-4.1% YoY
|
78% |
| Delinquency Rate ? |
0.03%
-76.9% YoY
-60.0% QoQ
|
-0.86% |
0.89%
+18.8% YoY
|
1.09%
+24.8% YoY
|
0.95%
+18.8% YoY
|
83% |
| Loan-to-Deposit Ratio ? |
61.57%
+2.2% YoY
+2.0% QoQ
|
-15.06% |
76.64%
+0.8% YoY
|
67.08%
+2.0% YoY
|
76.70%
+0.9% YoY
|
79% |
| Non-Interest-Bearing Deposit Share ? |
7.73%
-3.3% YoY
-5.2% QoQ
|
-14.28% |
22.02%
-1.0% YoY
|
23.89%
+0.0% YoY
|
22.01%
-1.2% YoY
|
Bottom 6.6% in tier |
| Nonperforming Asset Ratio ? |
0.03%
-74.1% YoY
-63.0% QoQ
|
-0.61% |
0.64%
+19.7% YoY
|
0.71%
+24.8% YoY
|
0.67%
+19.3% YoY
|
82% |
| Tier 1 Capital Ratio ? |
10.42%
+3.6% YoY
+1.2% QoQ
|
-5.41% |
15.83%
+1.5% YoY
|
16.96%
+13.8% YoY
|
17.06%
+0.8% YoY
|
15% |
| Non-Interest Income / Assets ? |
0.14%
+7.7% YoY
-75.0% QoQ
|
-0.14% |
0.28%
+9.3% YoY
|
0.16%
-16.3% YoY
|
0.32%
+4.1% YoY
|
72% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.