First Southern State Bank (FDIC #2829): Bank Stress & Real-Estate Credit Exposure
First Southern State Bank (FDIC Cert #2829): bank stress 65/100, elevated, STABLE over 7 days; parent FIRST BANCSHARES STEVENSON INC.
First Southern State Bank (#2829) lends in 4 counties across 1 state; First Southern State Bank (#2829) reaches 56 ZIP codes: Alabama 4 counties, 56 ZIPs.
First Southern State Bank (#2829) largest markets: Dekalb County, AL (96 branches, 24 ZIPs) (#2829), Jackson County, AL (88 branches, 22 ZIPs) (#2829), Marshall County, AL (18 branches, 18 ZIPs) (#2829), Cherokee County, AL (22 branches, 11 ZIPs) (#2829).
First Southern State Bank (#2829) reports $893.5 million in total assets; First Southern State Bank (#2829) equity $80.1 million (9.0% of First Southern State Bank (#2829) assets); First Southern State Bank (#2829) domestic deposits $807.2 million; First Southern State Bank (#2829) net income $6.5 million; First Southern State Bank (#2829) return on assets 1.46%; First Southern State Bank (#2829) return on equity 16.53%; First Southern State Bank (#2829) net interest income $15.7 million; First Southern State Bank (#2829) call report June 30, 2026.
First Southern State Bank (#2829) noncurrent real-estate loans 0.08% of its book; First Southern State Bank (#2829) net charge-offs on real estate 0.26%; First Southern State Bank (#2829) residential charge-offs 0.38%.
First Southern State Bank (#2829) net interest margin 3.80% against an eight-quarter First Southern State Bank (#2829) average of 3.44% (First Southern State Bank (#2829) compression -0.35 points); First Southern State Bank (#2829) real-estate loans 8.1% of equity; First Southern State Bank (#2829) non-residential real estate 38.3% of equity; First Southern State Bank (#2829) rate-exposure score 40/100, First Southern State Bank (#2829) fixed-rate trap 40/100; First Southern State Bank (#2829) risk type credit driven; First Southern State Bank (#2829) rate regime rates elevated, First Southern State Bank (#2829) snapshot October 19, 2026.
First Southern State Bank (#2829) stress score moved from 65.2 on June 22, 2026 to 65 on October 20, 2026; First Southern State Bank (#2829) ranged 65 to 65.2 over 117 snapshots.
First Southern State Bank (#2829) alerts: 4 counties; top First Southern State Bank (#2829) alert scores: Albertville County, AL 23 (low); Leesburg County, AL 23 (low); Rainsville County, AL 23 (low); Stevenson County, AL 23 (low).