B
First State Bank of the South, Inc.
Rating Date
March 2026
Risk Based
Capital Ratio
--
Leverage
Ratio
15.90
Return On
Assets
1.07%
Total
Assets
130.23M
Capital
19.40M
Total
Deposits
109.12M
Net
Income
1.38M
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Weiss Ratings First State Bank of the South, Inc.
Sulligent, AL 		Click to
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Rating B
Asset Quality Index 8.10
Capitalization Index 10.00
Liquidity Index 4.00
Profitability Index 5.20
Stability Index 8.20
Company Info First State Bank of the South, Inc.
Sulligent, AL 		Click to
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FDIC Number 21050
Phone Number (205) 698-8116
Website www.firststatebanksouth.com
Asset Quality First State Bank of the South, Inc.
Sulligent, AL 		Click to
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1-Year Asset Growth 3.17%
5-Year Asset Growth 2.40%
5-Year Charge-Offs to Average Loans 0.04%
Charge-Offs to Average Loans 0.01%
Non-Performing Assets to Assets 0.63%
Non-Performing Loans to Capital 3.25%
Non-Performing Loans to Loans 0.38%
Balance Sheet First State Bank of the South, Inc.
Sulligent, AL 		Click to
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Total Assets 130.23M
Total Deposits 109.12M
Capital and Reserves First State Bank of the South, Inc.
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Capital 19.40M
Leverage Ratio 15.90
Loan Loss Reserves to Loans 1.00%
Risk-Based Capital Ratio --
Liquidity First State Bank of the South, Inc.
Sulligent, AL 		Click to
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Hot Money Ratio 24.11%
Liquidity Ratio 39.83%
Profitability First State Bank of the South, Inc.
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5-Year Return on Average Assets 0.94%
Net Income 1.38M
Net Interest Spread 3.89%
Operating Profit to Average Assets 1.32%
Overhead Efficiency Ratio 67.42%
Return on Assets 1.07%
Return on Equity 7.49%