First Southern State Bank

Overview / Commentary
80 Bank Street
Stevenson, AL 35772

First Southern State Bank is headquartered in Stevenson and is the 22nd largest bank in the state of Alabama. It is also the 1,338th largest bank in the nation. It was established in 1910 and as of March of 2020, it had grown to 120 employees at 10 locations. First Southern State Bank has an A+ health rating.


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Health Grade Components

FDIC Certificate #2829
Year Established1910
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.85%
Return on Equity - YTD7.62%
Annual Interest Income$5.9MM
Assets and Liabilities
AssetsQ1 2020vs Q1 2019$561.2MM$394.7MM
LoansQ1 2020vs Q1 2019$326.7MM$227.6MM
DepositsQ1 2020vs Q1 2019$491.6MM$353.1MM
Equity CapitalQ1 2020vs Q1 2019$63.8MM$37.8MM
Loan Loss AllowanceQ1 2020vs Q1 2019$3.7MM$3.3MM
Unbacked Noncurrent LoansQ1 2020vs Q1 2019$698.00K$295.00K
Real Estate OwnedQ1 2020vs Q1 2019$156.00K$175.00K

Rates for First Southern State Bank are currently being reviewed.


First Southern State Bank Locations
Fort Payne Branch1820 Glen BoulevardFort Payne, AL 35967
Scottsboro Branch20 Micah WayScottsboro, AL 35769
West Main Street Branch201 West Main StreetCentre, AL 35960
Fort Payne Branch2128 Gault Ave NFort Payne, AL 35967
Rainsville Branch403 Main Street WestRainsville, AL 35986
First Southern State Bank80 Bank StreetStevenson, AL 35772
Leesburg Branch200 Industrial BoulevardLeesburg, AL 35983
Higdon OfficeHighway 71, PO Box 68Higdon, AL 35979

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