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Letter portraitLegal landscapeQuarterYTD

First State Bank of Dekalb County, Inc.

Fort Payne, AL · Cert 23815 · First St Bancshares Dekalb Cnty

State charter, non-member · FDIC · 5 branches

Q2 2026

$353.8MAssets
$208.0MLoans
$299.0MDeposits
$48.8MEquity
Loan mix
81%RE $154.9M10%C&I $19.1M9%Consumer $16.6MQ3 2024Q2 2026
Deposit mix
65%Interest-bearing $193.4M35%Noninterest $105.5MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 2.25%, down 14 bps year over year; NIM at 5.01%.
  • Asset quality: problem loans at 0.84% of loans (-53 bps YoY), with net charge-offs at 0.03%.
  • Capital: tier 1 leverage ratio of 14.13%, up 102 bps from a year ago.
  • Funding: loans stand at 69.58% of deposits as of Q2 2026.

Return on Assets (quarter, annualized)

2.25%-14 bps YoY

Net Interest Margin (quarter, annualized)

5.01%-25 bps YoY

Efficiency Ratio (quarter, annualized)

43.09%+289 bps YoY

Tier 1 Leverage Ratio

14.13%+102 bps YoY

NIM

6.51%Q2 ’246.37%Q2 ’256.07%Q2 ’26-2%-5%

Non-interest income vs. expense

2.15%Q2 ’242.27%Q2 ’252.36%Q2 ’26+5%+0%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.45%1.44%2.29%2.40%2.37%2.04%2.27%2.25%-14 bps
Return on Equity22.09%12.93%20.71%20.30%18.78%15.85%17.49%16.65%-365 bps
Net Interest Margin5.21%5.25%5.35%5.26%5.42%5.04%5.26%5.01%-25 bps
Efficiency Ratio43.36%49.89%41.30%40.20%40.19%47.69%45.17%43.09%+289 bps
Non-Interest Burden2.04%2.45%2.06%1.96%1.93%2.24%2.20%1.97%+1 bps
Growth
Asset Growth (YoY)1.39%3.32%5.21%4.56%4.78%3.30%2.64%3.97%-59 bps
Loan Growth (YoY)-2.35%0.85%8.59%11.67%17.01%8.05%7.38%9.18%-248 bps
Deposit Growth (YoY)-1.26%2.24%4.23%3.41%3.14%2.06%1.53%3.30%-11 bps
Asset Quality
Nonperforming Loans / Loans3.02%2.13%1.97%1.37%1.38%1.47%0.98%0.84%-53 bps
Net Charge-Offs / Loans0.22%0.24%0.35%0.18%0.09%0.14%0.00%0.03%-15 bps
Allowance / Loans1.23%1.33%1.31%1.28%1.30%1.39%1.36%1.33%+6 bps
Allowance Coverage of NPLs0.4x0.6x0.7x0.9x0.9x0.9x1.4x1.6x+0.7x
Capital
Tier 1 Leverage Ratio12.36%12.05%12.37%13.11%13.53%13.50%13.96%14.13%+102 bps
Total Risk-Based Capital21.45%22.46%21.15%23.25%23.92%24.20%25.17%25.28%+204 bps
Equity / Assets11.63%10.71%11.45%12.20%13.00%12.69%13.31%13.78%+158 bps
Liquidity & Funding
Loans / Deposits60.75%60.01%62.49%65.83%68.92%63.53%66.09%69.58%+375 bps
Liquid Assets / Assets7.23%9.95%7.36%9.42%5.35%7.09%8.00%4.72%-470 bps
CRE / Total Capitaln/an/an/an/a124.80%116.80%116.87%n/an/a