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First Southern State Bank


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/3/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/3/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/3/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/3/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
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 20th largest bank in the state of Alabama. It is also the 1,203rd largest bank in the nation. It was established in 1910 and as of March of 2025, it had grown to 132 employees at 11 locations. First Southern State Bank's CD rates are 4X the national average, and it has an A health rating.

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Health
A

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #2829
Year Established1910
Employees132
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.98%
Return on Equity - YTD13.15%
Annual Interest Income$10.3MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$836.5MM$788.4MM
LoansQ1 2025vs Q1 2024$461.5MM$444.6MM
DepositsQ1 2025vs Q1 2024$765.9MM$730.3MM
Equity CapitalQ1 2025vs Q1 2024$64.4MM$52.9MM
Loan Loss AllowanceQ1 2025vs Q1 2024$5.6MM$5.4MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$567K$374K
Real Estate OwnedQ1 2025vs Q1 2024$252K$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/3/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/3/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/3/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/3/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
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%$0-Savings

First Southern State Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%*$25k*-Money Prime
OTHER TIERS: 0.30% → $0 - $2.5k | 0.40% → $2.5k - $25k
0.40%$0-Money Market

First Southern State Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.04%$500-6 Month CD
3.92%$500-12 Month CD
3.29%$500-60 Month CD
2.78%$500-15 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.92%$500-12 Month IRA
3.29%$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
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 StStevenson, AL 35772
Leesburg Branch200 Industrial BoulevardLeesburg, AL 35983
Higdon OfficeHighway 71, PO Box 68Higdon, AL 35979

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