Compared with Alabama
5 of 15
compared fees are above the median.
4 below, 6 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
99th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Alabama median
of 15 compared; 4 below, 6 about the same
See the feesFee schedule read Oct 4, 2026
Call-report figures are for First Southern State Bank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 1,412 banks with $300M to $1B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the Alabama median | Published fees above the Alabama median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | First Southern State Bank's published fee schedule; Bank Fee Index medians | Current schedule | Oct 4, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 12% of revenue, above the 2.1% median of 1,412 banks with $300M to $1B in assets (99th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $1.2M in Q2 2026, 15% above the same quarter a year earlier ($1.0M).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
5 of 15 compared published fees sit above the Alabama median; 4 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Alabama medians for fees published by banks and credit unions.
Monthly Maintenance
Compared at $8.75, the middle of its prices
Overdraft (OD)
Non-Network ATM
Each amount links to the fee schedule it was read from. Medians for Alabama, the Atlanta district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income rose 6.1% from Q3 2025 to Q2 2026, to $1.2M. Its share of revenue, 12%, is above the 2.1% median for banks with $300M to $1B in assets.
$1.2M
First Southern State BankMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 1,412 banks with $300M to $1B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Monthly maintenance: Listed at $7.50 to $10; we compare the midpoint.
First Southern State Bank · $893M in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 16 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| First Southern State Bank(this institution) | Stevenson, AL | $893M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bogota Savings Bank | Teaneck, NJ | $872M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| DR Bank | Darien, CT | $913M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Falcon National Bank | Foley, MN | $872M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Farmers and Merchants Bank | Upperco, MD | $874M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Farmers National Bank | Prophetstown, IL | $896M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| FinWise Bank | Murray, UT | $915M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Bank | Ketchikan, AK | $890M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| First Liberty Bank | Oklahoma City, OK | $885M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Fortress Bank | Peoria, IL | $897M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Greenfield Co-operative Bank | Greenfield, MA | $902M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Hawaii National Bank | Honolulu, HI | $872M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Lindell Bank & Trust Company | St. Louis, MO | $915M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Mechanics Bank | Mansfield, OH | $896M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Mechanics Cooperative Bank | Taunton, MA | $899M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Mountain Pacific Bank | Everett, WA | $896M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Newfield National Bank | Newfield, NJ | $889M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Pioneer Bank | Mapleton, MN | $884M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Southwest Heritage Bank | Scottsdale, AZ | $893M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| SpiritBank | Tulsa, OK | $913M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Terrabank, National Association | Miami, FL | $898M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Savings Bank | Wakefield, MA | $891M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Thrivent Bank | Salt Lake City, UT | $906M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Titan Bank, N.A. | Mineral Wells, TX | $896M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Unified Bank | Martins Ferry, OH | $872M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Windsor Federal Bank | Windsor, CT | $895M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 17 publish this fee(monthly maintenance)
8 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $8.75, the middle of its two prices, against a peer median of $7.50 among 17 publishing peers.
Its two checking prices are $7.50 and $10.
$8.75 is a comparison price, not a fee anyone is charged.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Nov 3, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Nov 3, 2026. Total assets from FDIC and NCUA records.
Call reports for First Southern State Bank (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $1.2M | +$98K | +9.1% |
| Q1 2026 | $1.1M | −$38K | −3.4% |
| Q4 2025 | $1.1M | +$7K | +0.6% |
| Q3 2025 | $1.1M | +$82K | +8.0% |
| Q2 2025 | $1.0M | +$50K | +5.1% |
| Q1 2025 | $975K | +$8K | +0.8% |
| Q4 2024 | $967K | +$22K | +2.3% |
| Q3 2024 | $945K | +$34K | +3.7% |
Financial cohort: 1,433 banks with $300M to $1B in assets filing for Q2 2026; 1,412 reported a share above 0% and are counted, First Southern State Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to First Southern State Bank by share.
Amounts from First Southern State Bank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per hour
per hour
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly fee | $7.50Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Dormant Account Fees | $1Below the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Account balancing per hour | $10Not compared: Charged per hour; comparison unavailable | per hour | None |
| Account research per hour | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
Overdraft & NSF | |||
| NSF FEES and OVERDRAFT FEES | $32Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Privilege OD Fees | $32Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
ATM & Card | |||
| ATM Cash Withdrawal | $1Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Replacement or Lost Debit Card | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Domestic wire out | $35Above the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| International wire out | $50Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Cashier's Check (customer) | $3Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money orders (customer) | $2Inside the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop Payment Fees all items | $32Above the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Check Cashing (non customer) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Collection Items fee incoming | $5Below the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Collection Items fee outgoing | $10Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
Digital & Electronic | |||
| Internet Banking Bill Pay | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Account Services | |||
| Drilling fee | $125Not compared: Box drilling or key fee | Not stated | None |
| Lost Key fee | $25Not compared: Box drilling or key fee | Not stated | None |
| Garnishment or Levy | $50Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Other Fees | |||
| Photocopy per page | $2Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Oct 4, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where First Southern State Bank operates, and what regulators and customers have on file.
Branch footprint
11 offices in 1 state, $807.2M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 11 | $807.2M |
Largest competitors nearby
Local market: Jackson, DeKalb and Cherokee counties, AL, where it holds the most deposits.
| 17 in its local market | Deposit share |
|---|---|
| Regions Bank | 16.3% |
| The Huntington National Bank | 12.2% |
| First Jackson Bank, Inc. | 10.1% |
| First State Bank of DeKalb County | 9.7% |
| Peoples Independent Bank | 6.4% |
This bank holds 24.8% of the deposits there.
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
Enforcement actions
None on file with the Federal Reserve
The Federal Reserve has no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the Federal Reserve, read November 1, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Fee change alerts
We check once a day and send one email covering every change.