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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Lineville, AL · FDIC certificate #20468
FIRSTSTATE BANK is an FDIC-insured institution based in Lineville, AL (FDIC certificate #20468). In its Q3 2026 Call Report it reported total assets of $343M, total deposits of $323M and net loans of $152M. Its primary federal regulator is FDIC.
Plain-language readout
FIRSTSTATE BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $349M in Q2 2026 and were lowest at $343M in Q3 2026.
Total deposits were highest at $324M in Q2 2026 and lowest at $323M in Q3 2026.
Over the whole period total assets fell 1.6%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $343M | $323M | $152M | 0.81% | 12.95% | 3.75% |
| Q2 2026 | $349M | $324M | $151M | 0.77% | 11.68% | 3.71% |
| Q1 2026 | $348M | $324M | $151M | 0.78% | 11.80% | 3.70% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $33.5M | $33.8M | -$349K | -1.0% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $146.8M | $145.6M | +$1.2M | +0.8% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $150.9M | $150.8M | +$132K | +0.1% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $6.1M | $6.2M | -$69K | -1.1% |
| Other real estate owned | $614K | $588K | +$26K | +4.4% |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $11.5M | $11.4M | +$103K | +0.9% |
| Total assets | $349.4M | $348.3M | +$1.0M | +0.3% |
| Liabilities | ||||
| Total deposits | $323.9M | $323.9M | +$62K | +0.0% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $2.0M | $1.8M | +$245K | +13.8% |
| Total liabilities | $325.9M | $325.6M | +$307K | +0.1% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $100K | $100K | $0K | 0.0% |
| Surplus | $600K | $600K | $0K | 0.0% |
| Retained earnings | $39.9M | $40.1M | -$177K | -0.4% |
| Accumulated other comprehensive income | -$17.2M | -$18.1M | +$878K | +4.8% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $23.4M | $22.7M | +$701K | +3.1% |
| Credit and capital | ||||
| Gross nonperforming assets | $1.7M | $2.0M | -$242K | -12.4% |
| Adjusted nonperforming assets | $1.7M | $2.0M | -$242K | -12.4% |
| Tangible equity plus allowance | $25.4M | $24.8M | +$610K | +2.5% |
| Texas ratio (gross) | 6.73% | 7.88% | -1.14 pts | See points |
| Texas ratio (adjusted) | 6.73% | 7.88% | -1.14 pts | See points |
| Texas ratio (adjusted, with performing restructured) | Not reported | Not reported | Not reported | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 11.14% | 11.14% | +0.00 pts | See points |
| Construction and land loans to total capital | 20.46% | 22.65% | -2.19 pts | See points |
| Commercial real estate to total capital | 27.47% | 29.40% | -1.93 pts | See points |
| Dividend payout, year to date | 62.82% | 0.00% | +62.82 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -53.66% | -56.15% | +2.49 pts | See points |
| Liquidity | ||||
| Core deposits | $283.3M | $284.6M | -$1.4M | -0.5% |
| Non-core funding | $40.7M | $39.2M | +$1.4M | +3.7% |
| Loans to core deposits | 53.97% | 53.69% | +0.28 pts | See points |
| Loans to deposits | 47.19% | 47.19% | +0.00 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 44.62% | 42.84% | +1.78 pts | See points |
| Loans pledged, share of loans | 15.14% | 15.17% | -0.03 pts | See points |
| Volatile liabilities | $40.7M | $39.2M | +$1.4M | +3.7% |
| Earnings | ||||
| Earnings before provision, year to date | $1.9M | $942K | +$1.0M | +106.4% |
| Earnings before provision, single quarter | $1.0M | $942K | +$60K | +6.4% |
| Provision for credit losses, year to date | $80K | $80K | $0K | 0.0% |
| Yield and cost | ||||
| Yield on loans and leases | 7.58% | 7.67% | -0.09 pts | See points |
| Yield on interest-bearing balances due from banks | 3.58% | 3.56% | +0.02 pts | See points |
| Total interest income to average assets | 4.94% | 4.93% | +0.01 pts | See points |
| Cost of interest-bearing transaction accounts | 0.18% | 0.18% | -0.00 pts | See points |
| Cost of savings and money market deposits | 0.24% | 0.25% | -0.01 pts | See points |
| Cost of time deposits | 3.63% | 3.68% | -0.04 pts | See points |
| Total interest expense to average assets | 1.60% | 1.61% | -0.02 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $343M | $323M | $152M | 0.81% | 12.95% | 3.75% |
| 2026-06-30 | $349M | $324M | $151M | 0.77% | 11.68% | 3.71% |
| 2026-03-31 | $348M | $324M | $151M | 0.78% | 11.80% | 3.70% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| AL | $318M | 0.22% | 61 | Continuing · +0.01 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.