The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

From Q2 2025 to Q2 2026, the score rose 4 points (73 → 77), mostly because the earnings component improved by 15 points.

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Similar-size banks in Alabama

Yes. First Southern State Bank is an FDIC-insured institution (FDIC certificate #2829). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 31.9% of deposits ($257.7M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.59%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

First Southern State Bank lists 11 offices in 9 cities. Most locations:

• Fort Payne, AL (2)
• Scottsboro, AL (2)
• Albertville, AL (1)
• Bryant, AL (1)
• Centre, AL (1)
• Crossville, AL (1)
• Leesburg, AL (1)
• Rainsville, AL (1)
• Stevenson, AL (1)

All branch addresses and map

Legal name

First Southern State Bank

Former names

The First National Bank of Stevenson; First Southern National Bank

Type

State-chartered bank

FDIC certificate #

2829

RSSD ID

246134

Primary regulator

FDIC

Holding company

First Bancshares Stevenson Inc

Established

October 1, 1910

Headquarters

80 Bank St, Stevenson, AL 35772

Website

www.fssbank.com

Employees

138