First Southern State Bank

Overview / Commentary
80 Bank Street
Stevenson, AL 35772

First Southern State Bank is headquartered in Stevenson and is the 21st largest bank in the state of Alabama. It is also the 1,263rd largest bank in the nation. It was established in 1910 and as of June of 2022, it had grown to 123 employees at 10 locations. First Southern State Bank's CD rates are 5X the national average, and it has an A health rating.


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Health Grade Components

FDIC Certificate #2829
Year Established1910
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.12%
Return on Equity - YTD14.3%
Annual Interest Income$12.3MM
Assets and Liabilities
AssetsQ2 2022vs Q2 2021$742.9MM$713.0MM
LoansQ2 2022vs Q2 2021$371.8MM$354.2MM
DepositsQ2 2022vs Q2 2021$695.2MM$640.6MM
Equity CapitalQ2 2022vs Q2 2021$44.5MM$68.9MM
Loan Loss AllowanceQ2 2022vs Q2 2021$5.4MM$4.8MM
Unbacked Noncurrent LoansQ2 2022vs Q2 2021$356.00K$461.00K
Real Estate OwnedQ2 2022vs Q2 2021$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

First Southern State Bank Savings Account Rates


First Southern State Bank Money Market Rates

0.50%*$25k*-Money Prime
OTHER TIERS: 0.30% Up to $2.5k | 0.40% $2.5k - $25k
0.40%--Money Market

First Southern State Bank CD Rates

4.07%$500-12 Month CD
3.30%$500-60 Month CD
2.78%$500-15 Month CD
2.77%$500-6 Month CD
2.52%$1k-13 Month CD
2.27%$500-36 Month CD
2.27%$500-48 Month CD
2.02%$500-18 Month CD
2.02%$500-24 Month CD

First Southern State Bank IRA Rates

4.07%$500-12 Month IRA
3.30%$500-60 Month IRA
2.78%$500-15 Month IRA
2.02%$500-30 Month IRA
2.02%$500-18 Month IRA
2.02%$500-24 Month IRA

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 StStevenson, AL 35772
Leesburg Branch200 Industrial BoulevardLeesburg, AL 35983
Higdon OfficeHighway 71, PO Box 68Higdon, AL 35979

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