FirstState Bank: how it compares with its peers
Against 43 AL banks with half to twice its assets, FirstState Bank's strongest measure in Q2 2026 is assets per employee ($6.0M vs. a $6.4M peer median). Its weakest relative measure is return on assets (0.77% vs. 1.13%).
| Measure | FirstState Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.77% | 1.13% | Bottom third Ahead of 16% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.71% | 4.18% | Bottom third Ahead of 30% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 71.80% | 61.84% | Bottom third Ahead of 19% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.0M | $6.4M | Middle third Ahead of 44% of peers |
| Loans to deposits Net loans and leases over total deposits. | 46.59% | 73.31% | Context |
What it means for lending operations
Its efficiency ratio of 71.80% is above the 61.84% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- First State Bank of DeKalb County Fort Payne, AL · $354M
- Phenix-Girard Bank Phenix City, AL · $342M
- AmeriFirst Bank Montgomery, AL · $364M
- Marion Community Bank Marion, AL · $364M
- Premier Bank of the South Cullman, AL · $371M
- First National Bank Hamilton, AL · $373M
Questions about FirstState Bank
How big is FirstState Bank?
FirstState Bank, established in 1971, is headquartered in Lineville, AL. It reported $349M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is FirstState Bank's return on assets?
0.77% annualized in Q2 2026, against a 1.13% median for 43 AL banks with half to twice its assets, ahead of 16% of them.
What is FirstState Bank's efficiency ratio?
71.80% in Q2 2026: it spent about 72 cents in noninterest expense for each dollar of revenue. The peer median is 61.84%, and lower is better.
Is FirstState Bank growing its loans?
Net loans shrank 1.5% over the year to Q2 2026, while deposits grew 1.9%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are AL banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Alabama bank ranked.