First State Bank
Irvington, KY
IDRSSD: 565143
Total Assets
$366.58M
Latest filing
Total Deposits
$315.02M
Latest filing
Net Interest Margin
4.48%
Profitability
Key People
Loading leadership data...
Locations
Main office and branches. Select to view on the map.
Main Office
First State Bank
240 N 1st St
Irvington, KY 40146
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1903FDIC Certificate 7718
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| First State Bank (Main) | 240 N 1st St | Irvington, KY |
| HARDINSBURG BRANCH | 1017 Old Highway 60 | Hardinsburg, KY |
| ROUGH RIVER BRANCH | 9666 S Highway 259 | Mcdaniels, KY |
Showing 2 of 2
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
Similar banks
United Southern Bank
Hopkinsville, Kentucky
→
Assets: $353.59MΔ +0.4%
Pbt Bancorp
Hazard, Kentucky
→
Assets: $353.96MΔ +0.5%
The First National Bank of Grayson
Grayson, Kentucky
→
Assets: $361.14MΔ +2.6%
Citizens Bank & Trust Company
Campbellsville, Kentucky
→
Assets: $364.84MΔ +3.6%
Citizens Deposit Bank of Arlington, Inc.
Arlington, Kentucky
→
Assets: $332.56MΔ -5.6%
1st Trust Bank, Inc.
Hazard, Kentucky
→
Assets: $321.03MΔ -8.8%
Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/01/1903 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 40146 |
| State and County Number | 21027 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 08 |
| 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 | 84 |
| Domestic Offices | 3 |
| 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 | www.firststatebankky.com |
| Data Updated | 01/30/2026 |
| CERT | 12149 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $366.58M |
| Total Deposits | $315.02M |
| Total Liabilities | $327.64M |
| Total Equity Capital | $38.94M |
| Net Income | $1.60M |
| Net Loans and Leases | $284.01M |
| Assets Per Employee ($Millions) | $4.17M |
| Bank Premises and Fixed Assets | $1.70M |
| Cash and Balances due from Depository Institutions | $10.89M |
| Deposits Held in Domestic Offices | $315.02M |
Key Performance Ratios
| Return on Assets (ROA) | 1.78% |
| Return on Equity (ROE) | 16.82% |
| Net Interest Margin | 4.48% |
| Efficiency Ratio | 49.19% |
| Tier 1 Risk-Based Capital Ratio | 15.788% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.02% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.622% |
| Earning Assets to total Assets | 94.57% |
Income and Expense
| Total Interest Income | $5.35M |
| Total Noninterest Income | $355.00k |
| Total Interest Expense | $1.54M |
| Total Noninterest Expense | $2.04M |
| Net Interest Income | $3.80M |
| Pre-tax Net Operating Income | $2.10M |
| Provision for Credit Losses | $16.00k |
| 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 | $7.40M |
| Federal Funds Sold & Reverse Repurchase Agreement | $2.00M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $5.22M |
| Total Liabilities and Capital | $366.58M |
Securities
| Securities | $53.05M |
| Available-for-sale debt securities | $53.05M |
| 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?
$366.58M as of the latest filing.
How much are First State Bank's total deposits?
$315.02M in total deposits.
Where is First State Bank located?
Irvington, KY.
What is the Net Interest Margin?
4.48%.
How many domestic offices does it operate?
3.
When was it established?
01/01/1903.
What is the Return on Assets (ROA)?
1.78%.
How much are total loans and leases?
$284.01M (latest filing).
What is the total interest income (latest filing)?
$5.35M.