B
First State Bank of Dekalb County, Inc.
Rating Date
October 2025
Risk Based
Capital Ratio
19.73
Leverage
Ratio
13.53
Return On
Assets
2.38%
Total
Assets
339.69M
Capital
44.18M
Total
Deposits
286.12M
Net
Income
6.04M
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Weiss Ratings First State Bank of Dekalb County, Inc.
Fort Payne, AL 		Click to
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Rating B
Asset Quality Index 5.90
Capitalization Index 10.00
Liquidity Index 3.30
Profitability Index 10.00
Stability Index 7.10
Company Info First State Bank of Dekalb County, Inc.
Fort Payne, AL 		Click to
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FDIC Number 23815
Phone Number (256) 845-6101
Website www.fsbal.com
Asset Quality First State Bank of Dekalb County, Inc.
Fort Payne, AL 		Click to
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1-Year Asset Growth 4.78%
5-Year Asset Growth 14.36%
5-Year Charge-Offs to Average Loans 0.22%
Charge-Offs to Average Loans 0.21%
Non-Performing Assets to Assets 0.59%
Non-Performing Loans to Capital 5.65%
Non-Performing Loans to Loans 0.93%
Balance Sheet First State Bank of Dekalb County, Inc.
Fort Payne, AL 		Click to
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Total Assets 339.69M
Total Deposits 286.12M
Capital and Reserves First State Bank of Dekalb County, Inc.
Fort Payne, AL 		Click to
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Capital 44.18M
Leverage Ratio 13.53
Loan Loss Reserves to Loans 1.30%
Risk-Based Capital Ratio 19.73
Liquidity First State Bank of Dekalb County, Inc.
Fort Payne, AL 		Click to
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Hot Money Ratio 17.90%
Liquidity Ratio 30.93%
Profitability First State Bank of Dekalb County, Inc.
Fort Payne, AL 		Click to
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5-Year Return on Average Assets 1.52%
Net Income 6.04M
Net Interest Spread 5.56%
Operating Profit to Average Assets 3.19%
Overhead Efficiency Ratio 41.34%
Return on Assets 2.38%
Return on Equity 19.89%