B
First State Bank of Dekalb County, Inc.
Rating Date
August 2026
Risk Based
Capital Ratio
25.28
Leverage
Ratio
14.13
Return On
Assets
2.28%
Total
Assets
353.84M
Capital
48.76M
Total
Deposits
298.99M
Net
Income
4.01M
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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 7.10
Capitalization Index 10.00
Liquidity Index 3.20
Profitability Index 9.80
Stability Index 6.30
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 3.97%
5-Year Asset Growth 8.67%
5-Year Charge-Offs to Average Loans 0.20%
Charge-Offs to Average Loans 0.02%
Non-Performing Assets to Assets 0.26%
Non-Performing Loans to Capital 3.32%
Non-Performing Loans to Loans 0.34%
Balance Sheet First State Bank of Dekalb County, Inc.
Fort Payne, AL 		Click to
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Total Assets 353.84M
Total Deposits 298.99M
Capital and Reserves First State Bank of Dekalb County, Inc.
Fort Payne, AL 		Click to
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Capital 48.76M
Leverage Ratio 14.13
Loan Loss Reserves to Loans 1.33%
Risk-Based Capital Ratio 25.28
Liquidity First State Bank of Dekalb County, Inc.
Fort Payne, AL 		Click to
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Hot Money Ratio 20.79%
Liquidity Ratio 31.71%
Profitability First State Bank of Dekalb County, Inc.
Fort Payne, AL 		Click to
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5-Year Return on Average Assets 1.76%
Net Income 4.01M
Net Interest Spread 5.39%
Operating Profit to Average Assets 2.94%
Overhead Efficiency Ratio 44.92%
Return on Assets 2.28%
Return on Equity 17.06%