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Letter portraitLegal landscape

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=748-752) · 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 96% of banks under $1B in assets operating in a single state (rank 27 of 752).
  • Widest gap: nonperforming loans / loans trails 68% of banks under $1B in assets operating in a single state (rank 513 of 748).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

2.26%

Rank 27 of 752

Net Interest Margin

5.07%

Rank 28 of 752

Efficiency Ratio

44.92%

Rank 57 of 752

Equity / Assets

13.78%

Rank 160 of 752

Non-interest income vs. expense

$1.3M$8.7MINCOMEEXPENSE
Unfavorable gap of $7.3M · efficiency ratio beats 93% of banks under $1B in assets operating in a single state
Bank 44.92%Peer median 64.5%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets2.26%0.72%1.07%1.45%Beats 96%27 / 752
Return on Equity16.43%6.78%10.58%13.65%Beats 89%80 / 752
Net Interest Margin5.07%3.18%3.69%4.17%Beats 96%28 / 752
Efficiency Ratio44.92%55.75%64.49%75.47%Beats 93%57 / 752
Asset Quality
Nonperforming Loans / Loans0.84%0.09%0.42%1.03%Beats 32%513 / 748
Net Charge-Offs / Loans0.02%0.00%0.01%0.05%Beats 43%425 / 748
Capital
Tier 1 Capital Ratio24.03%11.55%13.75%17.60%Beats 90%77 / 752
Total Risk-Based Capital Ratio25.28%11.70%14.33%18.47%Beats 90%76 / 752
Equity / Assets13.78%8.93%10.56%13.13%Beats 79%160 / 752
Liquidity & Funding
Loans / Deposits69.58%62.23%78.64%91.26%34th pctl500 / 752
Loans / Assets58.79%54.61%67.41%76.47%32nd pctl511 / 752
Brokered Deposits / Depositsn/aNot reported for this institution