First State Bank
Eastpointe, MI
IDRSSD: 113740
Total Assets
$1.32B
Latest filing
Total Deposits
$1.19B
Latest filing
Net Interest Margin
3.71%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
072410165EASTPOINTE, MI
Key People
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Locations
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Main Office
First State Bank
16100 E 9 Mile Rd
Eastpointe, MI 48021
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1917FDIC Certificate 9426
Branches (10)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| First State Bank (Main) | 16100 E 9 Mile Rd | Eastpointe, MI |
| MACK BRANCH | 23600 Greater Mack Ave | St. Clair Shores, MI |
| HARPER BRANCH | 24335 Harper Ave | St. Clair Shores, MI |
| MACOMB BRANCH | 53050 Romeo Plank Rd | Macomb, MI |
| CLINTON BRANCH | 44990 N Groesbeck Hwy | Clinton Township, MI |
| WASHINTON TWP OFFICE BRANCH | 11555 26 Mile Rd | Washington Township, MI |
| CHESTERFIELD TOWNSHIP BRANCH | 53950 Gratiot Ave | Chesterfield, MI |
| STERLING HEIGHTS 19 MILE ROAD BRANCH | 2032 19 Mile Rd | Sterling Heights, MI |
Showing 7 of 10
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 01/01/1917 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 48021 |
| State and County Number | 26099 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 07 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Detroit-Warren-Dearborn, MI |
Operational Info
| Number of Employees | 183 |
| Domestic Offices | 11 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 02/21/1935 |
| Primary Insurance Agency | DIF |
| Website | www.fsb.bank |
| Data Updated | 01/30/2026 |
| CERT | 15032 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.32B |
| Total Deposits | $1.19B |
| Total Liabilities | $1.19B |
| Total Equity Capital | $124.63M |
| Net Income | $3.90M |
| Net Loans and Leases | $998.04M |
| Assets Per Employee ($Millions) | $6.93M |
| Bank Premises and Fixed Assets | $20.26M |
| Cash and Balances due from Depository Institutions | $66.29M |
| Deposits Held in Domestic Offices | $1.19B |
Key Performance Ratios
| Return on Assets (ROA) | 1.18% |
| Return on Equity (ROE) | 12.68% |
| Net Interest Margin | 3.71% |
| Efficiency Ratio | 65.78% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.463% |
| Earning Assets to total Assets | 94.44% |
Income and Expense
| Total Interest Income | $18.07M |
| Total Noninterest Income | $2.64M |
| Total Interest Expense | $6.50M |
| Total Noninterest Expense | $9.35M |
| Net Interest Income | $11.57M |
| Pre-tax Net Operating Income | $4.86M |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $10.40M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $4.09M |
| Total Liabilities and Capital | $1.32B |
Securities
| Securities | $175.55M |
| Available-for-sale debt securities | $175.55M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of First State Bank?
$1.32B as of the latest filing.
How much are First State Bank's total deposits?
$1.19B in total deposits.
Where is First State Bank located?
Eastpointe, MI.
What is the Net Interest Margin?
3.71%.
How many domestic offices does it operate?
11.
When was it established?
01/01/1917.
What is the Return on Assets (ROA)?
1.18%.
How much are total loans and leases?
$998.04M (latest filing).
What is the total interest income (latest filing)?
$18.07M.