First Southern State Bank

Headquarters: Stevenson, Alabama
Charter: Bank
Assets: $893.5M
Fed district: Atlanta
Regulator: FDIC
Holding company: First Bancshares Stevenson Inc.

15 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 4, 2026.

Overview

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
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 4, 2026

How these figures are measured

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) Shown when at least 10 banks of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. 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

Details

Source: FFIEC call report (bulk data)
Entity: First Southern State Bank (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

What stands out

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.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Compared at $8.75, the middle of its prices
First Southern State Bank: $7.50 to $10
First Southern State Bank: $7.50 to $10
U.S. median: no median
Overdraft (OD)
First Southern State Bank: $32
First Southern State Bank: $32
U.S. median: no median
Non-Network ATM
First Southern State Bank: $1
First Southern State Bank: $1
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 4, 2026View sources

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.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Alabama: Banks and credit unions headquartered in Alabama that publish the fee.
Atlanta district: Banks and credit unions headquartered in the Atlanta Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Service-charge income rose 6.1% from Q3 2025 to Q2 2026, to $1.2M.

Service-charge income, Q2 2026

$1.2M

$1.1MQ3 2025

$1.1MQ4 2025

$1.1MQ1 2026

$1.2MQ2 2026

Against the median

First Southern State BankMedian

Sources and open questions

FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.

Do business accounts and account analysis fees make up more of service charges than at peers?

Among its peers

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.

Banks only
$872M to $915M in assets
Headquartered in 16 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
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.

Fee type

Peer pricing snapshot

Monthly maintenance is $1.25 (17%) above the median of similar-sized banks.

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

First Southern State Bank: an account price on its scheduleIts comparison price, the middle of its prices: not a fee anyone is chargedPeer (equal prices stack)Peer median

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.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for First Southern State Bank (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $1.2M
vs prior quarter: +$98K+9.1%; from Q1 2026
vs a year earlier: +$149K+14.5%; from Q2 2025
vs start of range: +$229K+24.2%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: First Southern State Bank (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

Table

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%

Service-charge share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from First Southern State Bank’s own schedules, with a source for each figure.

Account Maintenance

Monthly fee$10
per month
Monthly fee$7.50
per month
Dormant Account Fees$1
Account balancing per hour$10
Not compared: Charged per hour; comparison unavailable
per hour
Account research per hour$20
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

NSF FEES and OVERDRAFT FEES$32
Privilege OD Fees$32

ATM & Card

ATM Cash Withdrawal$1
Replacement or Lost Debit Card$10

Wire Transfers

Domestic wire out$35
International wire out$50

Check Services

Cashier's Check (customer)$3
Money orders (customer)$2
Stop Payment Fees all items$32
Check Cashing (non customer)$5
Collection Items fee incoming$5
Collection Items fee outgoing$10

Digital & Electronic

Internet Banking Bill PayNo charge

Account Services

Drilling fee$125
Not compared: Box drilling or key fee
Lost Key fee$25
Not compared: Box drilling or key fee
Garnishment or Levy$50

Other Fees

Photocopy per page$2
per item

Fee	Amount	Basis	Note
Account Maintenance
Monthly fee	$10	per month	None
Monthly fee	$7.50	per month	None
Dormant Account Fees	$1	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	$32	Not stated	None
Privilege OD Fees	$32	Not stated	None
ATM & Card
ATM Cash Withdrawal	$1	Not stated	None
Replacement or Lost Debit Card	$10	Not stated	None
Wire Transfers
Domestic wire out	$35	Not stated	None
International wire out	$50	Not stated	None
Check Services
Cashier's Check (customer)	$3	Not stated	None
Money orders (customer)	$2	Not stated	None
Stop Payment Fees all items	$32	Not stated	None
Check Cashing (non customer)	$5	Not stated	None
Collection Items fee incoming	$5	Not stated	None
Collection Items fee outgoing	$10	Not stated	None
Digital & Electronic
Internet Banking Bill Pay	No charge	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	$50	Not stated	None
Other Fees
Photocopy per page	$2	per item	None

Correct a fee source

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.

Branches and public record

Where First Southern State Bank operates, and what regulators and customers have on file.

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 4, 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

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