First Stb of Dekalb County
Fort Payne, Alabama · FDIC Cert #23815
First Stb of Dekalb County is an FDIC-insured bank (Certificate #23815) with $325M in total assets and $280M in total deposits as of the Q2 2024 Call Report. Headquartered in Fort Payne, Alabama, the bank maintains a Tier 1 capital ratio of 19.16% (Well-Capitalized) and a nonperforming loan ratio of 2.83%. BankHealthData assigns a composite Health Grade of A (83/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
First Stb of Dekalb County (FDIC cert 23815) is a community bank — $325M in total assets, $280M in deposits, serving the Fort Payne, Alabama area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 19.16% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is elevated: non-performing loan ratio of 2.83% runs above 2%, suggesting the loan book carries more credit risk than peer banks. Elevated NPL can reflect specific portfolio concentrations or broader credit-cycle pressure. Liquidity is comfortable: 37.8% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is strong: return on assets of 3.08% is well above the 1.0% benchmark most analysts use as the threshold for a healthy bank. Strong ROA usually reflects disciplined cost management, healthy net interest margins, or both. Health-score trend is mildly negative across recent quarters. Mild declines can reflect either specific quarterly events (large one-time provisions, deposit shifts) or the early stages of broader pressure. First Stb of Dekalb County carries a composite BankHealth grade of A (83/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: First Stb of Dekalb County
- Total Assets
- $325M
- Total Deposits
- $280M
- Tier 1 Capital Ratio
- 19.16%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 2.83%
- Liquidity Ratio
- 37.84%
- Return on Assets
- 3.08%
- Headquarters
- Fort Payne, Alabama
- FDIC Certificate
- #23815
- Health Grade
- A (83/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, First Stb of Dekalb County holds a Tier 1 capital ratio of 19.16%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning First Stb of Dekalb County has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
First Stb of Dekalb County shows strong financial health indicators. With $325M in assets and a Health Score of 83/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How First Stb of Dekalb County Compares
First Stb of Dekalb County’s Health Score of 83 is 17 points above the Alabama state average of 66 across 78 FDIC-insured banks. Its 19.16% Tier 1 capital ratio is 5.2 points above the US banking industry average near 14%. The 2.83% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 3.08% is in line with or above the national ROA benchmark of ~1.1%. Among 1591 similarly-sized banks, the average Health Score is 69, meaning this bank ranks above its size cohort. Site-wide, First Stb of Dekalb County is 13 points above the portfolio average of 70.
Frequently Asked Questions
First Stb of Dekalb County has a Bank Health Score of A (83/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 19.16%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. First Stb of Dekalb County's Tier 1 capital ratio of 19.16% and nonperforming loan ratio of 2.83% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at First Stb of Dekalb County is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #23815). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
First Stb of Dekalb County holds $325M in total assets and $280M in total deposits. It is headquartered in Fort Payne, Alabama (FDIC Certificate #23815).
First Stb of Dekalb County has a Tier 1 capital ratio of 19.16%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 2.83%, and the return on assets is 3.08%.
Yes. First Stb of Dekalb County is FDIC-insured (Certificate #23815). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
First Stb of Dekalb County's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.