FIRST STATE HOLDING CORP is the parent banking group. FIRST STATE BANK OF THE SOUTH, INC. is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the group level.

Bank Holding Company

FIRST STATE HOLDING CORP

Legal name: FIRST STATE HOLDING CORP.

1 active bank · $129M combined assets

RSSD ID: 1132289 (FFIEC NIC)

Combined Assets

$129M

CRA Rating Summary

Satisfactory1charter

Across all 9 exams on record for this banking group's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankFIRST STATE BANK OF THE SOUTH, INC.SULLIGENT, ALSatisfactory$129MView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$129M

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$108M

Net Income

$351K

ROA (avg)

1.08%

asset-weighted avg

Mortgage Lending (HMDA)

CFPB · 2024Lender rankings →

Aggregated HMDA data across all active charters for 2024.

Applications

Origination Rate

92.5%

Denial Rate

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
FIRST STATE BANK OF THE SOUTH, INC.	SULLIGENT, AL	FDIC	$129M	100.0%	Satisfactory	Jan 2024

CRA (Community Reinvestment Act) exams are conducted per charter, not per banking group. Asset figures are from the most recent FDIC call report.