First Stb Of The South Inc (FDIC #21050): Bank Stress & Real-Estate Credit Exposure
First Stb Of The South Inc (FDIC Cert #21050): bank stress 51/100, moderate, STABLE over 7 days; parent FIRST STATE HOLDING CORP.
First Stb Of The South Inc (#21050) lends in 4 counties across 1 state; First Stb Of The South Inc (#21050) reaches 60 ZIP codes: Alabama 4 counties, 60 ZIPs.
First Stb Of The South Inc (#21050) largest markets: Tuscaloosa County, AL (28 branches, 28 ZIPs) (#21050), Limestone County, AL (15 branches, 15 ZIPs) (#21050), Marion County, AL (24 branches, 12 ZIPs) (#21050), Lamar County, AL (9 branches, 9 ZIPs) (#21050).
First Stb Of The South Inc (#21050) reports $130.7 million in total assets; First Stb Of The South Inc (#21050) equity $19.8 million (15.2% of First Stb Of The South Inc (#21050) assets); First Stb Of The South Inc (#21050) domestic deposits $109.2 million; First Stb Of The South Inc (#21050) net income $680,000; First Stb Of The South Inc (#21050) return on assets 1.05%; First Stb Of The South Inc (#21050) return on equity 6.95%; First Stb Of The South Inc (#21050) net interest income $2.3 million; First Stb Of The South Inc (#21050) call report June 30, 2026.
First Stb Of The South Inc (#21050) noncurrent real-estate loans: none reported; First Stb Of The South Inc (#21050) net charge-offs on real estate 0.04%.
First Stb Of The South Inc (#21050) net interest margin 3.98% against an eight-quarter First Stb Of The South Inc (#21050) average of 3.77% (First Stb Of The South Inc (#21050) compression -0.21 points); First Stb Of The South Inc (#21050) rate-exposure score 40/100, First Stb Of The South Inc (#21050) fixed-rate trap 40/100; First Stb Of The South Inc (#21050) risk type credit driven; First Stb Of The South Inc (#21050) rate regime rates elevated, First Stb Of The South Inc (#21050) snapshot October 20, 2026.
First Stb Of The South Inc (#21050) stress score moved from 49.5 on June 22, 2026 to 51.4 on October 20, 2026; First Stb Of The South Inc (#21050) ranged 49.5 to 51.4 over 117 snapshots.
First Stb Of The South Inc (#21050) alerts: 4 counties; top First Stb Of The South Inc (#21050) alert scores: Athens County, AL 20 (low); Northport County, AL 20 (low); Sulligent County, AL 20 (low); Winfield County, AL 20 (low).