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Overview / Commentary
256-437-2171
80 Bank Street
Stevenson, AL 35772

First Southern State Bank is headquartered in Stevenson and is the 27th largest bank in the state of Alabama. It is also the 1,830th largest bank in the nation. It was established in 1910 and as of December of 2017, it had grown to 91 employees at 8 locations. First Southern State Bank has a B+ health rating.

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Health
B+

Health Grade Components

Overall
FDIC Certificate #2829
Year Established1910
Employees91
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.05%
Return on Equity - YTD11.1%
Annual Interest Income$15.0MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$380.8MM$390.3MM
LoansQ4 2017vs Q4 2016$201.8MM$186.1MM
DepositsQ4 2017vs Q4 2016$340.6MM$351.9MM
Equity CapitalQ4 2017vs Q4 2016$36.8MM$34.9MM
Loan Loss AllowanceQ4 2017vs Q4 2016$2.7MM$2.5MM
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$216.00K$974.00K
Real Estate OwnedQ4 2017vs Q4 2016$150.00K$638.00K
Rates
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First Southern State Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.02%$500-60 Month CD
1.51%$500-48 Month CD
1.40%$500-15 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.02%$500-60 Month IRA
1.77%$500-30 Month IRA
1.41%$500-15 Month IRA
0.75%$500-24 Month IRA
0.65%$500-18 Month IRA
0.55%$500-12 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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