First State Bank of DeKalb County (FDIC certificate #23815) is based in Fort Payne, Alabama. Its Q2 2026 call report shows $353.8M in total assets and $299.0M in deposits and 5 offices.
First State Bank of DeKalb County has a TellerScore of 86 out of 100 (very strong) based on Q2 2026 data — higher than 90% of its 2,650 banks with $100 million – $1 billion. Among 93 banks headquartered in Alabama, it ranks 10th. Earnings contributes the most (100/100, 2.26%); loan quality contributes the least (72/100, 0.84%).
TellerScore · Q2 2026
Scorecard
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.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 8 points (78 → 86), mostly because the loan quality component improved by 18 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 62 |
| Q3 2024 | 62 |
| Q4 2024 | 68 |
| Q1 2025 | 71 |
| Q2 2025 | 78 |
| Q3 2025 | 80 |
| Q4 2025 | 79 |
| Q1 2026 | 85 |
| Q2 2026 | 86 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.71% |
| Q3 2024 | 12.36% |
| Q4 2024 | 12.05% |
| Q1 2025 | 12.37% |
| Q2 2025 | 13.11% |
| Q3 2025 | 13.53% |
| Q4 2025 | 13.50% |
| Q1 2026 | 13.96% |
| Q2 2026 | 14.13% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 2.83% |
| Q3 2024 | 3.02% |
| Q4 2024 | 2.13% |
| Q1 2025 | 1.97% |
| Q2 2025 | 1.37% |
| Q3 2025 | 1.38% |
| Q4 2025 | 1.47% |
| Q1 2026 | 0.98% |
| Q2 2026 | 0.84% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 2.34% |
| Q3 2024 | 2.37% |
| Q4 2024 | 2.13% |
| Q1 2025 | 2.29% |
| Q2 2025 | 2.35% |
| Q3 2025 | 2.35% |
| Q4 2025 | 2.26% |
| Q1 2026 | 2.27% |
| Q2 2026 | 2.26% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 86 | $353.8M | 14.13% | 0.84% | 2.26% | 68.6% |
| Q1 2026 | 85 | $352.9M | 13.96% | 0.98% | 2.27% | 65.2% |
| Q4 2025 | 79 | $355.8M | 13.50% | 1.47% | 2.26% | 62.7% |
| Q3 2025 | 80 | $339.7M | 13.53% | 1.38% | 2.35% | 68.0% |
| Q2 2025 | 78 | $340.3M | 13.11% | 1.37% | 2.35% | 65.0% |
| Q1 2025 | 71 | $343.8M | 12.37% | 1.97% | 2.29% | 61.7% |
| Q4 2024 | 68 | $344.4M | 12.05% | 2.13% | 2.13% | 59.2% |
| Q3 2024 | 62 | $324.2M | 12.36% | 3.02% | 2.37% | 60.0% |
| Q2 2024 | 62 | $325.5M | 11.71% | 2.83% | 2.34% | 60.2% |
2,650 peers · $100 million – $1 billion
How it compares with peers
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
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| FirstState BankBank Lineville, AL | 70 out of 100, Strong | $349.4M | 11.1% | 0.72% | vs |
| AmeriFirst BankBank Montgomery, AL | 69 out of 100, Moderate | $364.1M | 9.7% | 0.19% | vs |
| Marion Community BankBank Marion, AL | 51 out of 100, Below average | $364.2M | 9.8% | 2.30% | vs |
| Phenix-Girard BankBank Phenix City, AL | 71 out of 100, Strong | $342.3M | 11.8% | 0.51% | vs |
| Premier Bank of the SouthBank Cullman, AL | 72 out of 100, Strong | $370.6M | 9.4% | 0.00% | vs |
| First National BankBank Hamilton, AL | 97 out of 100, Very strong | $372.7M | 19.0% | 0.25% | vs |
Deposit insurance
Is my money safe at First State Bank of DeKalb County?
Yes. First State Bank of DeKalb County is an FDIC-insured institution (FDIC certificate #23815). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 26.9% of deposits ($80.4M) 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 14.13%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 25.28% (benchmark: 10%).
5 locations
Branches
First State Bank of DeKalb County lists 5 offices in 4 cities. Most locations:
- Fort Payne, AL (2)
- Grant, AL (1)
- Henagar, AL (1)
- Rainsville, AL (1)
Identity & history
Profile
- Legal name
- First State Bank of DeKalb County
- Type
- State-chartered bank
- FDIC certificate #
- 23815
- RSSD ID
- 504535
- Primary regulator
- FDIC
- Holding company
- First St Bancshares Dekalb Cnty
- Established
- May 19, 1982
- Headquarters
- 2407 Gault Ave N, Fort Payne, AL 35967
- Website
- www.fsbal.com
- Employees
- 55
Quick answers
First State Bank of DeKalb County: common questions
Is First State Bank of DeKalb County FDIC insured?
Yes. First State Bank of DeKalb County is an FDIC-insured institution (FDIC certificate #23815). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is First State Bank of DeKalb County's TellerScore?
86 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has First State Bank of DeKalb County ever failed?
There is no failure record for FDIC certificate #23815 in the FDIC failed bank list.
How many branches does First State Bank of DeKalb County have?
5 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Fort Payne
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Jackson Bank, Inc.Bank Stevenson, AL | 93 out of 100, Very strong | $444.3M | 14.8% | 0.08% | vs |
| Nucor Employees Federal Credit UnionCredit union Fort Payne, AL | 86 out of 100, Very strong | $2.2M | 30.7% | 0.00% | vs |
| Liberty BankBank Geraldine, AL | 81 out of 100, Strong | $258.6M | 11.3% | 0.15% | vs |
| First Southern State BankBank Stevenson, AL | 77 out of 100, Strong | $893.5M | 10.6% | 0.25% | vs |
| Peoples Independent BankBank Boaz, AL | 75 out of 100, Strong | $485.7M | 9.4% | 0.30% | vs |
| Southeast First National BankBank Summerville, GA | 74 out of 100, Strong | $74.9M | 11.7% | 0.06% | vs |