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First State Bank Of The South, Inc.
Sulligent, AL · FDIC Certificate #21050 · Chartered 04/2
Total assets
$130.72M
Total deposits
$109.15M
Total equity
$19.82M
Net loans
$56.55M
Branches (offices)
5
Net income (YTD)
$680.00K
Rank: #3,456 of 4,213 U.S. banks by assets · #75 of 93 in Alabama. Assets changed -0.4% and deposits 0.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.05% |
| Return on equity | 6.95% |
| Net interest margin (YTD) | 3.98% |
| Equity to assets | 15.16% |
| Tier 1 leverage ratio | 16.38% |
| Uninsured deposits (share of deposits) | 18.7% |
| Noncurrent loans (share of loans) | 0.24% |
| Net charge-offs (share of loans) | -0.01% |
| Loans to deposits | 51.8% |
| Real estate loans (share of loans) | 75.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $42.48M | 75.1% | |
| Commercial & industrial | $5.48M | 9.7% | |
| Consumer / individual | $7.22M | 12.8% | |
| Construction & development | $6.98M | 12.3% | |
| Agricultural | $10.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $122.24M | $105.20M | $605.00K | $15.41M |
| Jun 2023 | $120.39M | $98.07M | $613.00K | $15.55M |
| Jun 2024 | $129.34M | $105.63M | $500.00K | $16.78M |
| Jun 2025 | $131.30M | $108.62M | $604.00K | $18.41M |
| Jun 2026 | $130.72M | $109.15M | $680.00K | $19.82M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Alabama | $109.15M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $109.15M.
Similar-sized banks
Spencer County Bank ($131.17M) · Farmers Savings Bank ($130.51M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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