Bank · FDIC insured
First Southern State Bank
A $893.5M bank headquartered in Stevenson, AL, with 11 branches in Alabama. Best rates: CDs 3.70% and savings 0.40% APY.
First Southern State Bank Carrot Score
70
Carrot Score
Higher than 27% of U.S. banks and credit unions
#7 of 7 in Scottsboro, AL metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About First Southern State Bank
Founded in 1910, First Southern State Bank is based in Stevenson, Alabama.
The bank offers tailored agricultural and commercial lending options for business clients.
- Headquarters
- 80 Bank St, Stevenson, AL 35772
- FDIC certificate
- 2829 ↗
Branches
11 branches in Alabama
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Alabama
11 branches
Scottsboro area · 4
- First Southern State BankMain office80 Bank St, Stevenson, AL 35772Directions
- Higdon Branch30158 Alabama 71, Bryant, AL 35958Directions
- Scottsboro Branch20 Micah Way, Scottsboro, AL 35769Directions
- Scottsboro Downtown Branch507 S Broad St, Scottsboro, AL 35768Directions
Fort Payne area · 4
- Crossville Branch8331 Alabama Highway 227 N, Crossville, AL 35962Directions
- Fort Payne Branch2128 Gault Ave N, Fort Payne, AL 35967Directions
- Fort Payne Branch1820 Glenn Blvd Sw, Fort Payne, AL 35968Directions
- Rainsville Branch403 Main St W, Rainsville, AL 35986Directions
Albertville area · 1
- Albertville Branch407 N Broad St, Albertville, AL 35950Directions
Centre area · 1
- Centre Branch201 W Main St, Centre, AL 35960Directions
Leesburg area · 1
- Leesburg Branch200 Industrial Blvd, Leesburg, AL 35983Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 10.59% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.25% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.46% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $62 | $81 | — |
- CapitalLeverage ratio10.59%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.25%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.46%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$62Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of First Southern State Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.