First State Bank of DeKalb County: how it compares with its peers
Against 43 AL banks with half to twice its assets, First State Bank of DeKalb County's strongest measure in Q2 2026 is efficiency ratio (44.14% vs. a 62.09% peer median). Its weakest relative measure is assets per employee ($6.4M vs. $6.4M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.26% | 1.12% | Top third Ahead of 91% of peers |
| Net interest margin Annualized net interest income over earning assets. | 5.44% | 4.14% | Top third Ahead of 93% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 44.14% | 62.09% | Top third Ahead of 95% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.4M | $6.4M | Middle third Ahead of 51% of peers |
| Loans to deposits Net loans and leases over total deposits. | 68.65% | 73.31% | Context |
What it means for lending operations
Its efficiency ratio of 44.14% is better than the 62.09% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- FirstState Bank Lineville, AL · $349M
- AmeriFirst Bank Montgomery, AL · $364M
- Marion Community Bank Marion, AL · $364M
- Phenix-Girard Bank Phenix City, AL · $342M
- Premier Bank of the South Cullman, AL · $371M
- First National Bank Hamilton, AL · $373M
Questions about First State Bank of DeKalb County
How big is First State Bank of DeKalb County?
First State Bank of DeKalb County, established in 1982, is headquartered in Fort Payne, AL. It reported $354M in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is First State Bank of DeKalb County's return on assets?
2.26% annualized in Q2 2026, against a 1.12% median for 43 AL banks with half to twice its assets, ahead of 91% of them.
What is First State Bank of DeKalb County's efficiency ratio?
44.14% in Q2 2026: it spent about 44 cents in noninterest expense for each dollar of revenue. The peer median is 62.09%, and lower is better.
Is First State Bank of DeKalb County growing its loans?
Net loans grew 9.1% over the year to Q2 2026, while deposits grew 3.3%.
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.