B
First State Bank of Dekalb County, Inc.
Rating Date
June 2025
Risk Based
Capital Ratio
21.15
Leverage
Ratio
12.37
Return On
Assets
2.32%
Total
Assets
343.82M
Capital
39.36M
Total
Deposits
294.79M
Net
Income
1.97M
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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 5.50
Capitalization Index 10.00
Liquidity Index 3.70
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 5.21%
5-Year Asset Growth 14.36%
5-Year Charge-Offs to Average Loans 0.22%
Charge-Offs to Average Loans 0.36%
Non-Performing Assets to Assets 0.68%
Non-Performing Loans to Capital 8.19%
Non-Performing Loans to Loans 1.07%
Balance Sheet First State Bank of Dekalb County, Inc.
Fort Payne, AL 		Click to
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Total Assets 343.82M
Total Deposits 294.79M
Capital and Reserves First State Bank of Dekalb County, Inc.
Fort Payne, AL 		Click to
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Capital 39.36M
Leverage Ratio 12.37
Loan Loss Reserves to Loans 1.31%
Risk-Based Capital Ratio 21.15
Liquidity First State Bank of Dekalb County, Inc.
Fort Payne, AL 		Click to
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Hot Money Ratio 17.57%
Liquidity Ratio 33.36%
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 1.97M
Net Interest Spread 5.50%
Operating Profit to Average Assets 3.03%
Overhead Efficiency Ratio 42.09%
Return on Assets 2.32%
Return on Equity 20.71%