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 First State Bank of DeKalb County
First State Bank of DeKalb County
| RSSD ID 504535 | CERTIFICATE 23815 | ABA NUMBER 62203308 |
| 2407 Gault Ave N |
Quarter Ended : |
2025-12-31 |
| Fort Payne, Alabama, 35967 |
Updated : |
2026-01-23 |
| www.fsbal.com |
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| Institution Profile |
| Year Opened : |
1982 |
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 : |
54 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 355,807 |
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Total Interest Income | 21,628 |
| Total Liabilities | 310,650 |
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Total NonInterest Income | 1,241 |
| Total Bank Equity Capital | 45,157 |
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Total Interest Expense | 3,831 |
| Total Deposits | 304,409 |
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Total NonInterest Expense | 8,202 |
| Net Loans & Leases | 190,714 |
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Net Income | 7,808 |
| Loan Loss Allowance | 2,682 |
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Net Charge Offs | 363 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Total capital | 48,871 |
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Total loans | 195,811 |
| Total assets for the leverage ratio | 343,308 |
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Loans secured by real estate: | 151,745 |
| Tier 1 Leverage Ratio | 13.5 |
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Commercial and industrial loans | 22,474 |
| Tier 1 Capital Ratio | 22.95 |
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Loans to individuals - Credit Cards | 1,142 |
| Total Capital Ratio | 24.2 |
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Loans to individuals - Other | 15,205 |
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:· First State Bank of DeKalb County
