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First State Bank

Eastpointe, MI
IDRSSD: 113740
Total Assets
$1.33B
Latest filing
Total Deposits
$1.21B
Latest filing
Net Interest Margin
3.78%
Profitability
0

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 ClassCommercial bank, state charter, Fed member, supervised by FRB
Primary RegulatorFED
Established Date01/01/1917
Community BankYes
Ownership TypeNot Mutual
ZIP48021
State and County Number26099
Subchapter S CorporationsNo
Trust PowersN/A
Federal Reserve ID Number07
Numeric code13
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictChicago
Core Based Statistical Area NameDetroit-Warren-Dearborn, MI

Operational Info

Number of Employees184
Domestic Offices11
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date08/31/2022
Date of Deposit Insurance02/21/1935
Primary Insurance AgencyDIF
Websitewww.fsb.bank
Data Updated11/14/2025
CERT15032
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$1.33B
Total Deposits$1.21B
Total Liabilities$1.21B
Total Equity Capital$121.39M
Net Income$4.36M
Net Loans and Leases$962.03M
Assets Per Employee ($Millions)$7.28M
Bank Premises and Fixed Assets$19.72M
Cash and Balances due from Depository Institutions$102.84M
Deposits Held in Domestic Offices$1.21B

Key Performance Ratios

Return on Assets (ROA)1.33%
Return on Equity (ROE)14.63%
Net Interest Margin3.78%
Efficiency Ratio62.23%
Tier 1 Risk-Based Capital Ratio0%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets9.111%
Earning Assets to total Assets94.19%

Income and Expense

Total Interest Income$17.97M
Total Noninterest Income$2.79M
Total Interest Expense$6.35M
Total Noninterest Expense$8.96M
Net Interest Income$11.62M
Pre-tax Net Operating Income$5.44M
Provision for Credit Losses$0
Discontinued Operations (Extraordinary Gains - Net)$0

Additional Financial Info

Goodwill and Other Intangibles$0
All Other Assets$0
Other Real Estate Owned$80.00k
Other borrowed funds$0
Federal Funds Sold & Reverse Repurchase Agreement$10.53M
Federal Funds Purchased and Repurchased Agreement$0
All Other Liabilities$4.92M
Total Liabilities and Capital$1.33B

Securities

Securities$190.79M
Available-for-sale debt securities$190.79M
Equity securities with readily determinable fair values not held for trading$0
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?
$1.33B as of the latest filing.
How much are First State Bank's total deposits?
$1.21B in total deposits.
Where is First State Bank located?
Eastpointe, MI.
What is the Net Interest Margin?
3.78%.
How many domestic offices does it operate?
11.
When was it established?
01/01/1917.
What is the Return on Assets (ROA)?
1.33%.
How much are total loans and leases?
$962.03M (latest filing).
What is the total interest income (latest filing)?
$17.97M.