First Southern State Bank

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Popular Accounts at this Bank

APY	ACCOUNT TYPE	ACCOUNT NAME
1.61%	5-year CD	60 Month CD 1.85% - Synchrony Bank 60 Month CD
0.55%	1-year CD	12 Month CD 1.05% - Ally Bank High Yield 12-Month CD
1.51%	4-year CD	48 Month CD 1.40% - Ally Bank Raise Your Rate 4-Year CD

View all First Southern State Bank rates »

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 28^th largest bank in the state of Alabama. It is also the 1,810^th largest bank in the nation. It was established in 1910 and as of June of 2016, it had grown to 90 employees at 8 locations. First Southern State Bank has an A health rating.

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Health

A

Data as of Q2 2016

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Health Grade Components

Overall
FDIC Certificate #	2829
Year Established	1910
Employees	90
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.97%
Return on Equity - YTD	9.81%
Annual Interest Income	$6.9MM

Assets and Liabilities
Assets	Q2 2016vs Q2 2015	$375.0MM$362.5MM
Loans	Q2 2016vs Q2 2015	$179.0MM$169.6MM
Deposits	Q2 2016vs Q2 2015	$332.0MM$325.1MM
Equity Capital	Q2 2016vs Q2 2015	$38.3MM$34.1MM
Loan Loss Allowance	Q2 2016vs Q2 2015	$2.7MM$2.6MM
Unbacked Noncurrent Loans	Q2 2016vs Q2 2015	$351.00K$249.00K
Real Estate Owned	Q2 2016vs Q2 2015	$701.00K$1.6MM

Rates

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First Southern State Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.61%	$500	-	60 Month CD
1.51%	$500	-	48 Month CD
1.15%	$500	-	36 Month CD
0.75%	$500	-	24 Month CD
0.65%	$500	-	18 Month CD
0.60%	$1k	-	13 Month CD
0.55%	$500	-	12 Month CD
0.40%	$500	-	6 Month CD

First Southern State Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.61%	$500	-	60 Month IRA
1.51%	$500	-	48 Month IRA
0.90%	$500	-	30 Month IRA
0.75%	$500	-	24 Month IRA
0.70%	$500	-	18 Month IRA
0.55%	$500	-	12 Month IRA

Locations

First Southern State Bank Locations
Fort Payne Branch	1820 Glen Boulevard	Fort Payne, AL 35967
Scottsboro Branch	20 Micah Way	Scottsboro, AL 35769
West Main Street Branch	201 West Main Street	Centre, AL 35960
Fort Payne Branch	2128 Gault Ave N	Fort Payne, AL 35967
Rainsville Branch	403 Main Street West	Rainsville, AL 35986
First Southern State Bank	80 Bank Street	Stevenson, AL 35772
Leesburg Branch	200 Industrial Boulevard	Leesburg, AL 35983
Higdon Office	Highway 71, PO Box 68	Higdon, AL 35979