First State Bank of DeKalb County

BankFort Payne, Alabama
www.fsbal.com

Total Assets

$355.8M

Total Deposits

$304.4M

Branches

5

Established

1982

TFS Health Grade

$
B-

81.2 / 100

Good financial health

How we grade

First State Bank of DeKalb County is a bank headquartered in Fort Payne, Alabama, established in 1982. With $355.8M in total assets and 5 branch locations, it has a TFS Financial Health Grade of B- (81.2/100).

Capital & Safety

Tier 1 Capital Ratio
13.50%(8%)
Total Capital Ratio
24.20%(10%)
Non-Performing Loan Ratio
1.47%

Profitability

Return on Assets (ROA)
2.26%(1%)
Return on Equity (ROE)
18.85%(10%)
Net Interest Margin
5.53%
Efficiency Ratio
42.29%(60%)

Lending & Liquidity

Total Loans
$193.4M
Loan-to-Deposit Ratio
62.65%
Net Charge-Off Ratio
0.19%

Growth

Asset Growth (YoY)
+3.30%
Deposit Growth (YoY)
+2.06%
Net Income
$7.8M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Other banks in Alabama