First State Bank of Dekalb County, Inc.
Fort Payne, AL · Cert 23815 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · First St Bancshares Dekalb Cnty
State charter, non-member · FDIC · 5 branches
Q2 2026
$353.8MAssets
$208.0MLoans
$299.0MDeposits
$48.8MEquity
Executive Summary
- Strongest standing: return on assets outperforms 97% of banks under $1B in assets operating in a single state (rank 24 of 746).
- Widest gap: nonperforming loans / loans trails 68% of banks under $1B in assets operating in a single state (rank 508 of 743).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
2.26%
Rank 24 of 746
Net Interest Margin
5.07%
Rank 27 of 746
Efficiency Ratio
44.92%
Rank 52 of 746
Equity / Assets
13.78%
Rank 155 of 746
Non-interest income vs. expense
Unfavorable gap of $7.3M · efficiency ratio beats 93% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.26% | 0.72% | 1.06% | 1.45% | Beats 97% | 24 / 746 | | |
| Return on Equity | 16.43% | 6.74% | 10.51% | 13.63% | Beats 89% | 80 / 746 | | |
| Net Interest Margin | 5.07% | 3.17% | 3.68% | 4.16% | Beats 96% | 27 / 746 | | |
| Efficiency Ratio | 44.92% | 55.74% | 64.58% | 75.47% | Beats 93% | 52 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.84% | 0.09% | 0.42% | 1.07% | Beats 32% | 508 / 743 | | |
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.01% | 0.05% | Beats 42% | 431 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 24.03% | 11.55% | 13.75% | 17.60% | Beats 90% | 73 / 746 | | |
| Total Risk-Based Capital Ratio | 25.28% | 11.71% | 14.33% | 18.43% | Beats 90% | 72 / 746 | | |
| Equity / Assets | 13.78% | 8.90% | 10.51% | 13.06% | Beats 79% | 155 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 69.58% | 61.31% | 78.27% | 90.78% | 35th pctl | 486 / 746 | | |
| Loans / Assets | 58.79% | 53.60% | 66.97% | 76.08% | 34th pctl | 496 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |