First Southern State Bank
Stevenson, AL · Cert 2829 · Peer group: banks under $1B in assets (n=581-629) · First Bancshares Stevenson Inc.
State charter, non-member · FDIC · 11 branches
Q2 2026
$893.5MAssets
$501.1MLoans
$807.2MDeposits
$80.1MEquity
Executive Summary
- Strongest standing: return on equity outperforms 87% of banks under $1B in assets (rank 81 of 629).
- Widest gap: total risk-based capital ratio trails 85% of banks under $1B in assets (rank 537 of 629).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.45%
Rank 157 of 629
Net Interest Margin
3.45%
Rank 341 of 629
Efficiency Ratio
53.27%
Rank 100 of 629
Equity / Assets
8.97%
Rank 486 of 629
Non-interest income vs. expense
Unfavorable gap of $14.2M · efficiency ratio beats 84% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.45% | 0.60% | 1.01% | 1.45% | Beats 75% | 157 / 629 | | |
| Return on Equity | 16.14% | 5.38% | 9.30% | 13.28% | Beats 87% | 81 / 629 | | |
| Net Interest Margin | 3.45% | 3.03% | 3.54% | 4.05% | Beats 46% | 341 / 629 | | |
| Efficiency Ratio | 53.27% | 58.35% | 67.79% | 79.08% | Beats 84% | 100 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.25% | 0.09% | 0.46% | 1.20% | Beats 61% | 228 / 581 | | |
| Net Charge-Offs / Loans | 0.11% | n/a | 0.01% | 0.06% | Beats 17% | 481 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 10.59% | 11.24% | 13.84% | 18.77% | Beats 17% | 523 / 629 | | |
| Total Risk-Based Capital Ratio | 10.59% | 11.58% | 14.43% | 19.66% | Beats 15% | 537 / 629 | | |
| Equity / Assets | 8.97% | 9.09% | 10.65% | 13.80% | Beats 23% | 486 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 62.08% | 67.24% | 80.90% | 93.48% | 20th pctl | 473 / 594 | | |
| Loans / Assets | 56.08% | 53.31% | 67.71% | 78.15% | 28th pctl | 454 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |