First Southern State Bank

Overview / Commentary
80 Bank Street
Stevenson, AL 35772

First Southern State Bank is headquartered in Stevenson and is the 24th largest bank in the state of Alabama. It is also the 1,757th largest bank in the nation. It was established in 1910 and as of June of 2019, it had grown to 90 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 Grade Components

FDIC Certificate #2829
Year Established1910
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.35%
Return on Equity - YTD13.95%
Annual Interest Income$8.4MM
Assets and Liabilities
AssetsQ2 2019vs Q2 2018$401.9MM$376.9MM
LoansQ2 2019vs Q2 2018$226.5MM$205.8MM
DepositsQ2 2019vs Q2 2018$358.0MM$337.8MM
Equity CapitalQ2 2019vs Q2 2018$40.2MM$35.8MM
Loan Loss AllowanceQ2 2019vs Q2 2018$3.4MM$3.0MM
Unbacked Noncurrent LoansQ2 2019vs Q2 2018$230.00K$130.00K
Real Estate OwnedQ2 2019vs Q2 2018$133.00K$198.00K
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First Southern State Bank CD Rates

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

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

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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