First State Bank Of The South, Inc. vs West Alabama Bank & Trust
Comparing a Bank in Sulligent, AL with a Bank in Reform, AL using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| First State Bank Of The South, Inc. ↗ Bank · Sulligent, AL · Est. 1973 | West Alabama Bank & Trust ↗ Bank · Reform, AL · Est. 1944 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Bank | Bank |
| Location | Sulligent, AL | Reform, AL |
| Total assets | $129.4M | $928.2M |
| Capital ratio | 15.0% | 10.3% |
| Return on assets | 1.1% | 1.3% |
| Deposits | $108.2M | $808.1M |
| Branches | 5 | 16 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #4 of 93 | #1 of 93 |
| Established | 1973 | 1944 |
First State Bank Of The South, Inc.
- Assets: $129.4M
- Deposits: $108.2M
- Capital ratio: 15.0%
- Return on assets: 1.1%
- CFPB complaints: 0
- State rank: #4 of 93
West Alabama Bank & Trust
- Assets: $928.2M
- Deposits: $808.1M
- Capital ratio: 10.3%
- Return on assets: 1.3%
- CFPB complaints: 0
- State rank: #1 of 93
Are both institutions federally insured?
Yes. First State Bank Of The South, Inc. is FDIC-insured and West Alabama Bank & Trust is FDIC-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, First State Bank Of The South, Inc. or West Alabama Bank & Trust?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — First State Bank Of The South, Inc. scores higher with a grade of A (98/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is First State Bank Of The South, Inc. safe?
Yes — First State Bank Of The South, Inc. is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is A (98/100), reflecting its financial strength and complaint history relative to peers.
Is West Alabama Bank & Trust safe?
Yes — West Alabama Bank & Trust is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (98/100).
What is the capital ratio of First State Bank Of The South, Inc. vs West Alabama Bank & Trust?
First State Bank Of The South, Inc. has a capital ratio of 15.0%, placing it in the top 10% of $100M–1B peers. West Alabama Bank & Trust's ratio is 10.3%, placing it in the top 47% of $100M–1B peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does First State Bank Of The South, Inc. have compared to West Alabama Bank & Trust?
The CFPB database shows 0 complaints against First State Bank Of The South, Inc., and 0 complaints against West Alabama Bank & Trust. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare First State Bank Of The South, Inc. with other Banks in Alabama
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
