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 First State Bank of the South, Inc.
First State Bank of the South, Inc.
| RSSD ID 250430 | CERTIFICATE 21050 | ABA NUMBER 62202257 |
| 5856 Highway 278 |
Quarter Ended : |
2025-12-31 |
| Sulligent, Alabama, 35586 |
Updated : |
2026-01-20 |
| WWW.FIRSTSTATEBANKSOUTH.COM |
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| Institution Profile |
| Year Opened : |
1973 |
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 : |
051 |
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| Specialization : |
All Other Under 1 Billion |
| Number of Offices : |
5 |
Number of Employees : |
35 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 130,228 |
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Total Interest Income | 6,631 |
| Total Liabilities | 110,827 |
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Total NonInterest Income | 780 |
| Total Bank Equity Capital | 19,401 |
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Total Interest Expense | 2,180 |
| Total Deposits | 109,115 |
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Total NonInterest Expense | 3,527 |
| Net Loans & Leases | 60,447 |
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Net Income | 1,380 |
| Loan Loss Allowance | 611 |
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Net Charge Offs | 7 |
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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 | 60,292 |
| Total assets for the leverage ratio | 130,135 |
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Loans secured by real estate: | 37,704 |
| Tier 1 Leverage Ratio | 15.9 |
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Commercial and industrial loans | 5,603 |
| Off Balance Sheet Exposures (%) | 5.63 |
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Loans to individuals - Credit Cards | 0 |
| Trading Assets and Liabilities (%) | 0 |
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Loans to individuals - Other | 11,018 |
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:· First State Bank of the South, Inc.
