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 First Southern State Bank
First Southern State Bank
| RSSD ID 246134 | CERTIFICATE 2829 | ABA NUMBER 62202477 |
| 80 Bank St |
Quarter Ended : |
2025-12-31 |
| Stevenson, Alabama, 35772 |
Updated : |
2026-01-23 |
| www.fssbank.com |
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| Institution Profile |
| Year Opened : |
1910 |
Institution Type : |
Commercial bank |
| Entity Type : |
State |
Federal Regulator : |
FDIC |
| Member Federal Reserve : |
No |
S-Corp : |
No |
| Fiduciary Powers : |
No |
Powers Exercised : |
No |
| Filing Type : |
041 |
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| Specialization : |
Commercial Lending Specialization |
| Number of Offices : |
11 |
Number of Employees : |
135 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 877,165 |
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Total Interest Income | 43,589 |
| Total Liabilities | 800,556 |
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Total NonInterest Income | 5,069 |
| Total Bank Equity Capital | 76,609 |
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Total Interest Expense | 15,744 |
| Total Deposits | 794,581 |
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Total NonInterest Expense | 18,412 |
| Net Loans & Leases | 479,863 |
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Net Income | 10,536 |
| Loan Loss Allowance | 5,840 |
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Net Charge Offs | 512 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Community Bank Leverage Ratio | Yes |
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Total loans | 482,719 |
| Total assets for the leverage ratio | 890,240 |
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Loans secured by real estate: | 384,452 |
| Tier 1 Leverage Ratio | 10.3 |
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Commercial and industrial loans | 44,538 |
| Off Balance Sheet Exposures (%) | 7.3 |
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Loans to individuals - Credit Cards | 0 |
| Trading Assets and Liabilities (%) | 0 |
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Loans to individuals - Other | 40,847 |
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:· First Southern State Bank
