Total Assets
$893.5M
Total Deposits
$807.2M
Branches
11
Established
1910
First Southern State Bank is a bank headquartered in Stevenson, Alabama, established in 1910. It holds $893.5M in total assets across 11 branch locations. In our editorial opinion, based on public FDIC/NCUA data, First Southern State Bank earns a TFS Financial Health Grade of B (80.7/100) — our editorial assessment, not an official rating or financial advice.
TFS Health Grade
80.7 / 100
Good financial health
How we gradeTFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.
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Financial data through June 30, 2026. Updated by TFS August 28, 2026. Data sourced from FDIC BankFind Suite as of 2026-Q2. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from CFPB Consumer Complaint Database. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
| Branch | Address | City | State | Type |
|---|---|---|---|---|
| First Southern State BankHQ | 80 Bank St | Stevenson | AL | 11 |
| First Southern State Bank | 407 N Broad St | Albertville | AL | 11 |
| First Southern State Bank | 30158 Alabama 71 | Bryant | AL | 11 |
| First Southern State Bank | 201 W Main St | Centre | AL | 11 |
| First Southern State Bank | 8331 Alabama Highway 227 N | Crossville | AL | 11 |
| First Southern State Bank | 1820 Glenn Blvd Sw | Fort Payne | AL | 11 |
| First Southern State Bank | 2128 Gault Ave N | Fort Payne | AL | 11 |
| First Southern State Bank | 200 Industrial Blvd | Leesburg | AL | 11 |
| First Southern State Bank | 403 Main St W | Rainsville | AL | 11 |
| First Southern State Bank | 507 S Broad St | Scottsboro | AL | 11 |
| First Southern State Bank | 20 Micah Way | Scottsboro | AL | 11 |
Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from FDIC Enforcement Decisions and Orders / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.
Benchmarked against 60 active, federally insured banks reporting in the same quarter and holding roughly 0.5×–2× its assets. Same-state and overlapping-market peers are prioritized.
TFS health score
80.7
Tier 1 capital ratio
10.59%
Return on assets
1.46%
Non-performing loans
0.25%
Efficiency ratio
53.02%
Asset growth (YoY)
4.51%
Suggested direct comparisons
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Complaint percentiles are intentionally withheld while TFS audits CFPB company matching and import coverage. Peer conclusions use complete same-quarter regulatory metrics only.