FirstState Bank (FDIC certificate #20468) is based in Lineville, Alabama. Its Q2 2026 call report shows $349.4M in total assets and $323.9M in deposits and 3 offices.
Based on its Q2 2026 filing, FirstState Bank scores 70/100, which we describe as strong. That is higher than only 43% of 2,650 banks with $100 million – $1 billion. Among 93 banks headquartered in Alabama, it ranks 51st. Its strongest component is funding & liquidity (95/100; 47% loans-to-deposits, 20% uninsured), and its lowest is earnings (51/100; 0.77%).
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
The score has been essentially flat from Q2 2025 to Q2 2026 (70 → 70).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 83 |
| Q3 2024 | 80 |
| Q4 2024 | 75 |
| Q1 2025 | 77 |
| Q2 2025 | 70 |
| Q3 2025 | 68 |
| Q4 2025 | 72 |
| Q1 2026 | 69 |
| Q2 2026 | 70 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.98% |
| Q3 2024 | 11.35% |
| Q4 2024 | 11.06% |
| Q1 2025 | 11.01% |
| Q2 2025 | 10.84% |
| Q3 2025 | 11.00% |
| Q4 2025 | 10.95% |
| Q1 2026 | 11.14% |
| Q2 2026 | 11.14% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.07% |
| Q3 2024 | 0.08% |
| Q4 2024 | 0.51% |
| Q1 2025 | 0.10% |
| Q2 2025 | 0.79% |
| Q3 2025 | 1.04% |
| Q4 2025 | 0.78% |
| Q1 2026 | 0.89% |
| Q2 2026 | 0.72% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.19% |
| Q3 2024 | 1.08% |
| Q4 2024 | 1.09% |
| Q1 2025 | 0.82% |
| Q2 2025 | 0.90% |
| Q3 2025 | 0.93% |
| Q4 2025 | 1.04% |
| Q1 2026 | 0.78% |
| Q2 2026 | 0.77% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 70 | $349.4M | 11.14% | 0.72% | 0.77% | 46.6% |
| Q1 2026 | 69 | $348.3M | 11.14% | 0.89% | 0.78% | 46.6% |
| Q4 2025 | 72 | $352.1M | 10.95% | 0.78% | 1.04% | 45.5% |
| Q3 2025 | 68 | $346.7M | 11.00% | 1.04% | 0.93% | 46.8% |
| Q2 2025 | 70 | $338.8M | 10.84% | 0.79% | 0.90% | 48.2% |
| Q1 2025 | 77 | $338.1M | 11.01% | 0.10% | 0.82% | 47.8% |
| Q4 2024 | 75 | $333.0M | 11.06% | 0.51% | 1.09% | 47.3% |
| Q3 2024 | 80 | $324.2M | 11.35% | 0.08% | 1.08% | 50.0% |
| Q2 2024 | 83 | $317.0M | 11.98% | 0.07% | 1.19% | 49.8% |
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 |
|---|---|---|---|---|---|
| First State Bank of DeKalb CountyBank Fort Payne, AL | 86 out of 100, Very strong | $353.8M | 14.1% | 0.84% | vs |
| Phenix-Girard BankBank Phenix City, AL | 71 out of 100, Strong | $342.3M | 11.8% | 0.51% | 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 |
| 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 FirstState Bank?
Yes. FirstState Bank is an FDIC-insured institution (FDIC certificate #20468). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 19.7% of deposits ($63.9M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.14%, 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%).
3 locations
Branches
FirstState Bank lists 3 offices in 3 cities. Most locations:
- Ashland, AL (1)
- Lineville, AL (1)
- Wedowee, AL (1)
Identity & history
Profile
- Legal name
- FirstState Bank
- Former names
- First State Bank of Clay County; First State Bank of Lineville
- Type
- State-chartered bank
- FDIC certificate #
- 20468
- RSSD ID
- 540739
- Primary regulator
- FDIC
- Holding company
- First State Capital Corp
- Established
- August 24, 1971
- Headquarters
- 88730 Highway 9, Lineville, AL 36266
- Website
- www.firststatebank.bank
- Employees
- 58
Quick answers
FirstState Bank: common questions
Is FirstState Bank FDIC insured?
Yes. FirstState Bank is an FDIC-insured institution (FDIC certificate #20468). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is FirstState Bank's TellerScore?
70 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has FirstState Bank ever failed?
There is no failure record for FDIC certificate #20468 in the FDIC failed bank list.
How many branches does FirstState Bank have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Lineville
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Aod Federal Credit UnionCredit union Bynum, AL | 89 out of 100, Very strong | $466.7M | 16.4% | 0.53% | vs |
| Sycamore Federal Credit UnionCredit union Sycamore, AL | 87 out of 100, Very strong | $77.1M | 16.4% | 0.89% | vs |
| Metro BankBank Pell City, AL | 80 out of 100, Strong | $1.2B | 14.7% | 1.18% | vs |
| Alatrust Credit UnionCredit union Hoover, AL | 75 out of 100, Strong | $224.0M | 14.0% | 1.72% | vs |
| America'S First Federal Credit UnionCredit union Birmingham, AL | 74 out of 100, Strong | $2.8B | 12.3% | 0.77% | vs |
| Emblem Credit UnionCredit union Gadsden, AL | 72 out of 100, Strong | $627.6M | 11.3% | 0.63% | vs |