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First Southern State Bank


Overview / Commentary
www.fssbank.com
256-437-2171
80 Bank Street
Stevenson, AL 35772

First Southern State Bank is headquartered in Stevenson and is the 25th largest bank in the state of Alabama. It is also the 1,751st largest bank in the nation. It was established in 1910 and as of September of 2019, it had grown to 92 employees at 8 locations. First Southern State Bank's CD rates are 96% higher than the national average, and it boasts an A+ health rating.

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Health
A+

Data as of Q3 2019

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #2829
Year Established1910
Employees92
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.37%
Return on Equity - YTD13.93%
Annual Interest Income$12.8MM
Assets and Liabilities
AssetsQ3 2019vs Q3 2018$403.9MM$370.6MM
LoansQ3 2019vs Q3 2018$225.5MM$211.2MM
DepositsQ3 2019vs Q3 2018$358.4MM$332.1MM
Equity CapitalQ3 2019vs Q3 2018$41.4MM$35.0MM
Loan Loss AllowanceQ3 2019vs Q3 2018$3.5MM$3.1MM
Unbacked Noncurrent LoansQ3 2019vs Q3 2018$516.00K$543.00K
Real Estate OwnedQ3 2019vs Q3 2018$0$0
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%--Savings

First Southern State Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.40%*$25k*-Money Prime
OTHER TIERS: 0.20% → Up to $2.5k | 0.30% → $2.5k - $10k | 0.35% → $10k - $25k
0.30%--Money Market

First Southern State Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.76%$500-6 Month CD
1.76%$500-12 Month CD
1.61%$500-60 Month CD
1.61%$500-15 Month CD
1.51%$500-48 Month CD
1.46%$500-36 Month CD
0.85%$500-24 Month CD
0.80%$1k-13 Month CD
0.65%$500-18 Month CD

First Southern State Bank IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.77%$500-12 Month IRA
1.61%$500-60 Month IRA
1.61%$500-15 Month IRA
1.26%$500-30 Month IRA
0.85%$500-24 Month IRA
0.65%$500-18 Month IRA
Locations


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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