B
First State Bank of Dekalb County, Inc.
Rating Date
October 2025
Risk Based
Capital Ratio
23.25
Leverage
Ratio
13.11
Return On
Assets
2.39%
Total
Assets
340.32M
Capital
41.52M
Total
Deposits
289.44M
Net
Income
4.03M
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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 3.50
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 4.56%
5-Year Asset Growth 14.36%
5-Year Charge-Offs to Average Loans 0.22%
Charge-Offs to Average Loans 0.27%
Non-Performing Assets to Assets 0.66%
Non-Performing Loans to Capital 5.66%
Non-Performing Loans to Loans 1.17%
Balance Sheet First State Bank of Dekalb County, Inc.
Fort Payne, AL 		Click to
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Total Assets 340.32M
Total Deposits 289.44M
Capital and Reserves First State Bank of Dekalb County, Inc.
Fort Payne, AL 		Click to
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Capital 41.52M
Leverage Ratio 13.11
Loan Loss Reserves to Loans 1.28%
Risk-Based Capital Ratio 23.25
Liquidity First State Bank of Dekalb County, Inc.
Fort Payne, AL 		Click to
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Hot Money Ratio 16.83%
Liquidity Ratio 32.89%
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 4.03M
Net Interest Spread 5.47%
Operating Profit to Average Assets 3.18%
Overhead Efficiency Ratio 41.51%
Return on Assets 2.39%
Return on Equity 20.50%