🏦Bank Scorer

FIRST STATE BANK OF DEKALB COUNTY

FORT PAYNE, AL · Supervised by FDIC

Est. 1982FDIC #23,815RSSD: FDIC-23815
Part ofFIRST ST BANCSHARES DEKALB CNTY→ View all charters
Satisfactory Same

Current rating · Exam: January 2022

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 2.27%

Institution Profile

FDIC BankFind

Address

2407 Gault Ave N, FORT PAYNE, AL

County

Dekalb County

Established

May 19, 1982

Total Assets

$353M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

January 1, 2022

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Jan 2027(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$353M

Total Deposits

$299M

Net Loans

$195M

Net Income

$2M

ROA

2.27%

ROE

17.49%

Risk-Based Capital

25.17%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

5

Branch Deposits

$289M

1-Year Change

0

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

7 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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