First State Bank
Winchester, OH
IDRSSD: 294023
Total Assets
$1.15B
Latest filing
Total Deposits
$1.04B
Latest filing
Net Interest Margin
3.37%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
First State Bank
19230 State Route 136
Winchester, OH 45697
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1934FDIC Certificate 6062
Branches (17)
Page 1 of 3| Name | Address | City / State |
|---|---|---|
| First State Bank (Main) | 19230 State Route 136 | Winchester, OH |
| INEZ DEPOSIT BANK E MAIN ST BRANCH | 202 E Main St | Louisa, KY |
| GEORGETOWN BRANCH | 4928 State Route 125 | Georgetown, OH |
| WARFIELD BRANCH | 71 Riverfront Rd | Warfield, KY |
| SEAMAN BRANCH | 105 Main St | Seaman, OH |
| MANCHESTER BRANCH | 210 Pike St | Manchester, OH |
| WEST UNION BRANCH | 409 W Main St | West Union, OH |
| PEEBLES BRANCH | 145 N Main St | Peebles, OH |
Showing 7 of 17
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 non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/01/1934 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 45697 |
| State and County Number | 39001 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 04 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 181 |
| Domestic Offices | 18 |
| 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 | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | http://www.fsb4me.com |
| Data Updated | 01/30/2026 |
| CERT | 9437 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.15B |
| Total Deposits | $1.04B |
| Total Liabilities | $1.05B |
| Total Equity Capital | $101.25M |
| Net Income | $2.86M |
| Net Loans and Leases | $556.52M |
| Assets Per Employee ($Millions) | $6.36M |
| Bank Premises and Fixed Assets | $15.08M |
| Cash and Balances due from Depository Institutions | $65.71M |
| Deposits Held in Domestic Offices | $1.04B |
Key Performance Ratios
| Return on Assets (ROA) | 1.01% |
| Return on Equity (ROE) | 13.12% |
| Net Interest Margin | 3.37% |
| Efficiency Ratio | 57.76% |
| Tier 1 Risk-Based Capital Ratio | 17.439% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.14% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.796% |
| Earning Assets to total Assets | 94.09% |
Income and Expense
| Total Interest Income | $14.28M |
| Total Noninterest Income | $1.74M |
| Total Interest Expense | $5.28M |
| Total Noninterest Expense | $6.28M |
| Net Interest Income | $8.99M |
| Pre-tax Net Operating Income | $4.06M |
| Provision for Credit Losses | $395.00k |
| 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 | $1.07M |
| Federal Funds Sold & Reverse Repurchase Agreement | $4.38M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $8.50M |
| Total Liabilities and Capital | $1.15B |
Securities
| Securities | $471.98M |
| Available-for-sale debt securities | $471.91M |
| 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?
$1.15B as of the latest filing.
How much are First State Bank's total deposits?
$1.04B in total deposits.
Where is First State Bank located?
Winchester, OH.
What is the Net Interest Margin?
3.37%.
How many domestic offices does it operate?
18.
When was it established?
01/01/1934.
What is the Return on Assets (ROA)?
1.01%.
How much are total loans and leases?
$556.52M (latest filing).
What is the total interest income (latest filing)?
$14.28M.