BlastPoint's Banking Scorecard
First State Bank of the South, Inc.
Micro
Specialty: Other
AL
FDIC cert 21050
Designations: ✓ Community bank
Sulligent, AL
2498
banks in Micro tier nationally
65 in AL
View Micro leaderboard (AL) →
First State Bank of the South, Inc. shows stable performance across key metrics
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$130.2M
+3.2% YoY
+2.6% QoQ
|
-$87.3M |
$217.5M
+2.3% YoY
|
$2.4B
+1.3% YoY
|
$5.9B
+6.5% YoY
|
31% |
| Total Loans ? |
$60.4M
-0.7% YoY
+2.1% QoQ
|
-$78.7M |
$139.2M
+2.8% YoY
|
$1.5B
-0.1% YoY
|
$3.1B
+8.5% YoY
|
25% |
| Total Deposits ? |
$109.1M
+3.9% YoY
+3.3% QoQ
|
-$74.5M |
$183.7M
+1.8% YoY
|
$2.0B
+1.3% YoY
|
$4.7B
+6.3% YoY
|
32% |
| Return on Assets ? |
1.06%
+25.5% YoY
+0.9% QoQ
|
-0.02% |
1.08%
+14.7% YoY
|
1.11%
+4.4% YoY
|
1.12%
+15.6% YoY
|
50% |
| Net Interest Margin ? |
3.83%
+6.9% YoY
+1.4% QoQ
|
-0.03% |
3.85%
+6.6% YoY
|
3.94%
+3.2% YoY
|
3.75%
+7.1% YoY
|
51% |
| Efficiency Ratio ? |
67.42%
-9.6% YoY
-0.7% QoQ
|
-0.30% |
67.73%
-4.8% YoY
|
64.78%
-3.4% YoY
|
65.09%
-5.1% YoY
|
46% |
| Delinquency Rate ? |
1.14%
+34.8% YoY
+202.4% QoQ
|
+0.50% |
0.64%
+24.4% YoY
|
0.66%
-12.1% YoY
|
0.66%
+20.3% YoY
|
26% |
| Loan-to-Deposit Ratio ? |
55.40%
-4.4% YoY
-1.1% QoQ
|
-19.13% |
74.53%
+0.5% YoY
|
68.23%
+2.7% YoY
|
78.04%
+0.7% YoY
|
82% |
| Non-Interest-Bearing Deposit Share ? |
23.88%
-7.6% YoY
-2.8% QoQ
|
+1.49% |
22.39%
-1.3% YoY
|
24.36%
+3.3% YoY
|
21.79%
-1.3% YoY
|
59% |
| Nonperforming Asset Ratio ? |
0.98%
+124.2% YoY
+72.6% QoQ
|
+0.53% |
0.45%
+25.1% YoY
|
0.53%
+14.0% YoY
|
0.48%
+20.8% YoY
|
20% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
6.46%
-12.3% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.60%
+1.1% YoY
+22.4% QoQ
|
+0.04% |
0.56%
+0.3% YoY
|
0.77%
+11.5% YoY
|
0.65%
+0.6% YoY
|
77% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
82
82th pctile
Loan-to-Deposit Ratio
Current: 55.40% · Tier avg: 74.53%
77
77th pctile
Non-Interest Income / Assets
Current: 0.60% · Tier avg: 0.56%
59
59th pctile
Non-Interest-Bearing Deposit Share
Current: 23.88% · Tier avg: 22.39%
51
51th pctile
Net Interest Margin
Current: 3.83% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
50
50th pctile
Return on Assets
Current: 1.06% · Tier avg: 1.08%
46
46th pctile
Efficiency Ratio
Current: 67.42% · Tier avg: 67.73%
32
32th pctile
Total Deposits
Current: $109.1M · Tier avg: $183.7M
31
31th pctile
Total Assets
Current: $130.2M · Tier avg: $217.5M
26
26th pctile
Delinquency Rate
Current: 1.14% · Tier avg: 0.64%
25
25th pctile
Total Loans
Current: $60.4M · Tier avg: $139.2M
20
20th pctile
Nonperforming Asset Ratio
Current: 0.98% · Tier avg: 0.45%
Top Weaknesses
20
20th pctile
Nonperforming Asset Ratio
Current: 0.98% · Tier avg: 0.45%
25
25th pctile
Total Loans
Current: $60.4M · Tier avg: $139.2M
26
26th pctile
Delinquency Rate
Current: 1.14% · Tier avg: 0.64%
31
31th pctile
Total Assets
Current: $130.2M · Tier avg: $217.5M
32
32th pctile
Total Deposits
Current: $109.1M · Tier avg: $183.7M
46
46th pctile
Efficiency Ratio
Current: 67.42% · Tier avg: 67.73%
50
50th pctile
Return on Assets
Current: 1.06% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
51
51th pctile
Net Interest Margin
Current: 3.83% · Tier avg: 3.85%
59
59th pctile
Non-Interest-Bearing Deposit Share
Current: 23.88% · Tier avg: 22.39%
77
77th pctile
Non-Interest Income / Assets
Current: 0.60% · Tier avg: 0.56%
82
82th pctile
Loan-to-Deposit Ratio
Current: 55.40% · Tier avg: 74.53%