BlastPoint's Banking Scorecard
First Southern State Bank
Community
Specialty: Commercial
AL
FDIC cert 2829
Stevenson, AL
1484
banks in Community tier nationally
26 in AL
View Community leaderboard (AL) →
First Southern State Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 22.67% below tier
- - Non-Interest-Bearing Deposit Share 12.88% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$877.2M
+6.7% YoY
+1.8% QoQ
|
-$514.3M |
$1.4B
+2.0% YoY
|
$2.4B
+1.3% YoY
|
$5.9B
+6.5% YoY
|
41% |
| Total Loans ? |
$479.9M
+5.4% YoY
+1.7% QoQ
|
-$495.6M |
$975.5M
+2.4% YoY
|
$1.5B
-0.1% YoY
|
$3.1B
+8.5% YoY
|
28% |
| Total Deposits ? |
$794.6M
+4.9% YoY
+1.7% QoQ
|
-$370.0M |
$1.2B
+1.7% YoY
|
$2.0B
+1.3% YoY
|
$4.7B
+6.3% YoY
|
46% |
| Return on Assets ? |
1.24%
+10.5% YoY
+2.9% QoQ
|
+0.07% |
1.16%
+17.2% YoY
|
1.11%
+4.4% YoY
|
1.12%
+15.6% YoY
|
59% |
| Net Interest Margin ? |
3.50%
+8.7% YoY
+1.5% QoQ
|
-0.16% |
3.66%
+9.1% YoY
|
3.94%
+3.2% YoY
|
3.75%
+7.1% YoY
|
42% |
| Efficiency Ratio ? |
55.64%
-6.1% YoY
-1.8% QoQ
|
-6.99% |
62.63%
-5.3% YoY
|
64.78%
-3.4% YoY
|
65.09%
-5.1% YoY
|
71% |
| Delinquency Rate ? |
0.07%
-66.5% YoY
-11.8% QoQ
|
-0.56% |
0.63%
+18.3% YoY
|
0.66%
-12.1% YoY
|
0.66%
+20.3% YoY
|
Top 15% in tier |
| Loan-to-Deposit Ratio ? |
60.39%
+0.5% YoY
+0.0% QoQ
|
-22.67% |
83.06%
+0.3% YoY
|
68.23%
+2.7% YoY
|
78.04%
+0.7% YoY
|
Bottom 9% in tier |
| Non-Interest-Bearing Deposit Share ? |
8.16%
+1.2% YoY
+1.7% QoQ
|
-12.88% |
21.05%
-0.9% YoY
|
24.36%
+3.3% YoY
|
21.79%
-1.3% YoY
|
Bottom 7% in tier |
| Nonperforming Asset Ratio ? |
0.07%
-45.1% YoY
-16.9% QoQ
|
-0.43% |
0.50%
+20.3% YoY
|
0.53%
+14.0% YoY
|
0.48%
+20.8% YoY
|
84% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
6.46%
-12.3% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.58%
-8.7% YoY
+31.7% QoQ
|
-0.16% |
0.74%
-1.3% YoY
|
0.77%
+11.5% YoY
|
0.65%
+0.6% YoY
|
58% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Loan-to-Deposit Ratio
metric
Bottom 9%
in Community
Why this stands out
Current:
60.39%
(Tier avg: 83.06%, National avg: 78.04%)
Non-Interest-Bearing Deposit Share
metric
Bottom 7%
in Community
Why this stands out
Current:
8.16%
(Tier avg: 21.05%, National avg: 21.79%)
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
85
85th pctile
Delinquency Rate
Current: 0.07% · Tier avg: 0.63%
84
84th pctile
Nonperforming Asset Ratio
Current: 0.07% · Tier avg: 0.50%
71
71th pctile
Efficiency Ratio
Current: 55.64% · Tier avg: 62.63%
59
59th pctile
Return on Assets
Current: 1.24% · Tier avg: 1.16%
58
58th pctile
Non-Interest Income / Assets
Current: 0.58% · Tier avg: 0.74%
46
46th pctile
Total Deposits
Current: $794.6M · Tier avg: $1.2B
42
42th pctile
Net Interest Margin
Current: 3.50% · Tier avg: 3.66%
41
41th pctile
Total Assets
Current: $877.2M · Tier avg: $1.4B
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
28
28th pctile
Total Loans
Current: $479.9M · Tier avg: $975.5M
9
9th pctile
Loan-to-Deposit Ratio
Current: 60.39% · Tier avg: 83.06%
7
7th pctile
Non-Interest-Bearing Deposit Share
Current: 8.16% · Tier avg: 21.05%
Top Weaknesses
7
7th pctile
Non-Interest-Bearing Deposit Share
Current: 8.16% · Tier avg: 21.05%
9
9th pctile
Loan-to-Deposit Ratio
Current: 60.39% · Tier avg: 83.06%
28
28th pctile
Total Loans
Current: $479.9M · Tier avg: $975.5M
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
41
41th pctile
Total Assets
Current: $877.2M · Tier avg: $1.4B
42
42th pctile
Net Interest Margin
Current: 3.50% · Tier avg: 3.66%
46
46th pctile
Total Deposits
Current: $794.6M · Tier avg: $1.2B
58
58th pctile
Non-Interest Income / Assets
Current: 0.58% · Tier avg: 0.74%
59
59th pctile
Return on Assets
Current: 1.24% · Tier avg: 1.16%
71
71th pctile
Efficiency Ratio
Current: 55.64% · Tier avg: 62.63%
84
84th pctile
Nonperforming Asset Ratio
Current: 0.07% · Tier avg: 0.50%
85
85th pctile
Delinquency Rate
Current: 0.07% · Tier avg: 0.63%