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Q2 2026 · read from the 30 June 2026 Call Report · United States · South Central · Alabama, the state note

First Southern State Bank

Stevenson, Alabama · $893M in assets · beside the 11 other Alabama banks between $300M and $1B

The filing

62.1%
Loans / deposits
2nd of 12
144.5%
CRE / capital
4th of 12
0.25%
NPA / loans
5th of 12

First Southern State Bank is the second largest of the 12 Alabama banks nearest its size between $300M and $1B, with $893M in assets at 30 June 2026. Loans are 62.1% of deposits, 2nd of 12 against a median of 77.0%, and equity is 9.0% of assets, 7th of 12. Loans grew +5.5% in the year, 6th of 12, and deposits grew 3.2%; the cohort's median loan growth is +5.1%.

Noncurrent loans are 0.25% of the book, 5th of 12 against a median of 0.29%; 0.81% is 30 to 89 days past due, and the allowance covers them 4.9 times. Net charge-offs are 0.11% of loans, 6th of 12. Commercial real estate is 27.9% of loans, 5th of 12 against a median of 29.4%, and 144% of capital, below the 300% screen, with construction at 51% against the 100% screen.

Return on assets is 1.41%, 6th of 12 against a median of 1.34%, on an efficiency ratio of 53.3%, 5th of 12. Five years ago it was 1.23%. The question this shape raises is what the liquidity earns, and what a rate path does to the securities book and the deposit base.

Loans as a share of depositsAL banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 77.0% PI Peoples Independent Bank 43.0% FS First Southern State Bank 62.1% MB Midsouth Bank 63.6% CS Central State Bank 68.7% HB Hometown Bank of Alabama 71.4% WA West Alabama Bank & Trust 74.9% FC First Community Bank of Central Alabama 79.2% FS First Southern Bank 80.9% CC CCB Community Bank 86.1% MB Merit Bank 89.6% TB Traditions Bank 95.9% E Evabank 116.8%
Loans, year over yearAL banks $300M to $1B · 30 June 2026 · no better direction, largest first
median +5.1% MB Merit Bank +27.7% FC First Community Bank of Central Alabama +13.2% CS Central State Bank +12.0% TB Traditions Bank +8.3% E Evabank +8.3% FS First Southern State Bank +5.5% HB Hometown Bank of Alabama +4.6% MB Midsouth Bank +3.2% CC CCB Community Bank +2.3% WA West Alabama Bank & Trust +1.4% PI Peoples Independent Bank -1.2% FS First Southern Bank -11.4%

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 6 CBLR filers, First Southern State Bank among them; owner-occupied excluded; bold marks a screen met
First Southern State BankRankCohort median
Total CRE against capital, the 300% screen144%4th of 12177%
Construction against capital, the 100% screen51%6th of 1253%
Construction and land development, share of loans9.9%6th of 1210.2%
Non-owner-occupied nonfarm nonresidential, share of loans17.0%8th of 1212.4%
Total CRE, the guidance definition, share of loans27.9%5th of 1229.4%
CRE growth over 36 months, the third prong+3.8%1st of 12+28.2%
Commercial real estate against capital, the 300% screenAL banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 177% HB Hometown Bank of Alabama 53% TB Traditions Bank 97% E Evabank 116% FS First Southern State Bank 144% WA West Alabama Bank & Trust 151% FS First Southern Bank 171% PI Peoples Independent Bank 182% MB Merit Bank 207% FC First Community Bank of Central Alabama 207% CS Central State Bank 233% CC CCB Community Bank 233% MB Midsouth Bank 258%
CRE growth over 36 months, the guidance's third prongAL banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median +28.2% FS First Southern State Bank +3.8% FS First Southern Bank +8.7% WA West Alabama Bank & Trust +13.4% HB Hometown Bank of Alabama +13.6% PI Peoples Independent Bank +16.0% CC CCB Community Bank +17.9% E Evabank +38.5% MB Merit Bank +40.0% TB Traditions Bank +52.5% FC First Community Bank of Central Alabama +52.6% CS Central State Bank +59.2% MB Midsouth Bank +69.5%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
West Alabama Bank & Trust$929M1.3%54.9%0.44%0.15%1.2%74.9%10.5%
First Southern State Bank$893M1.4%53.3%0.25%0.11%1.2%62.1%9.0%
Traditions Bank$891M1.1%68.1%0.80%0.60%1.3%95.9%10.2%
Central State Bank$891M1.9%49.3%0.16%0.22%1.1%68.7%8.4%
Midsouth Bank$771M0.8%76.3%0.28%0.01%1.6%63.6%8.3%
First Community Bank of Central Alabama$694M2.4%48.0%0.10%0.02%1.9%79.2%6.6%
First Southern Bank$679M-2.6%67.8%10.86%4.74%2.7%80.9%8.8%
CCB Community Bank$662M2.3%52.8%0.19%0.01%1.2%86.1%9.6%
Hometown Bank of Alabama$661M0.9%71.6%2.03%0.01%1.1%71.4%9.5%
Merit Bank$582M1.0%59.1%0.00%0.12%1.0%89.6%9.3%
Evabank$491M2.5%39.4%1.61%0.39%2.3%116.8%28.3%
Peoples Independent Bank$486M1.6%57.4%0.30%0.04%0.9%43.0%8.4%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
First Southern State BankCohort median
20212026Change20212026Change
Loans$359M$501M+40%$286M$484M+69%
Deposits$641M$807M+26%$454M$615M+36%
NPA / loans0.13%0.25%+0.12 pts0.25%0.29%+0.04 pts
Efficiency54.6%53.3%-1.3 pts58.2%56.1%-2.1 pts
ROA1.23%1.41%+0.19 pts1.43%1.34%-0.09 pts

This read was prepared for First Southern State Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on First Southern State Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort AL banks $300M to $1B
Institution www.fssbank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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