First State Bank of the South, Inc.
Sulligent, AL · Cert 21050 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · First State Holding Corp.
State charter, non-member · FDIC · 5 branches
Q2 2026
$130.7MAssets
$57.2MLoans
$109.2MDeposits
$19.8MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 88% of banks under $1B in assets operating in a single state (rank 93 of 746).
- Widest gap: return on equity trails 74% of banks under $1B in assets operating in a single state (rank 549 of 746).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.04%
Rank 387 of 746
Net Interest Margin
3.54%
Rank 428 of 746
Efficiency Ratio
65.88%
Rank 402 of 746
Equity / Assets
15.16%
Rank 93 of 746
Non-interest income vs. expense
Unfavorable gap of $2.8M · efficiency ratio beats 46% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.04% | 0.72% | 1.06% | 1.45% | Beats 48% | 387 / 746 | |
| Return on Equity | 6.86% | 6.74% | 10.51% | 13.63% | Beats 26% | 549 / 746 | |
| Net Interest Margin | 3.54% | 3.17% | 3.68% | 4.16% | Beats 43% | 428 / 746 | |
| Efficiency Ratio | 65.88% | 55.74% | 64.58% | 75.47% | Beats 46% | 402 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.24% | 0.09% | 0.42% | 1.07% | Beats 64% | 271 / 743 | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.05% | Beats 57% | 321 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 16.38% | 11.55% | 13.75% | 17.60% | Beats 69% | 228 / 746 | |
| Total Risk-Based Capital Ratio | 16.38% | 11.71% | 14.33% | 18.43% | Beats 66% | 254 / 746 | |
| Equity / Assets | 15.16% | 8.90% | 10.51% | 13.06% | Beats 88% | 93 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 52.41% | 61.31% | 78.27% | 90.78% | 15th pctl | 636 / 746 | |
| Loans / Assets | 43.76% | 53.60% | 66.97% | 76.08% | 13th pctl | 646 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |