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First State Bank

Irvington, KY
IDRSSD: 565143
Total Assets
$352.16M
Latest filing
Total Deposits
$301.11M
Latest filing
Net Interest Margin
4.46%
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 non-member, and supervised by the FDIC
Primary RegulatorFDIC
Established Date01/01/1903
Community BankYes
Ownership TypeNot Mutual
ZIP40146
State and County Number21027
Subchapter S CorporationsNo
Trust PowersN/A
Federal Reserve ID Number08
Numeric code21
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictChicago
Core Based Statistical Area NameN/A

Operational Info

Number of Employees86
Domestic Offices3
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date08/31/2022
Date of Deposit Insurance01/01/1934
Primary Insurance AgencyDIF
Websitewww.firststatebankky.com
Data Updated11/14/2025
CERT12149
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$352.16M
Total Deposits$301.11M
Total Liabilities$314.88M
Total Equity Capital$37.28M
Net Income$1.84M
Net Loans and Leases$273.30M
Assets Per Employee ($Millions)$4.19M
Bank Premises and Fixed Assets$1.84M
Cash and Balances due from Depository Institutions$8.64M
Deposits Held in Domestic Offices$301.11M

Key Performance Ratios

Return on Assets (ROA)2.1%
Return on Equity (ROE)20.39%
Net Interest Margin4.46%
Efficiency Ratio40.05%
Tier 1 Risk-Based Capital Ratio15.853%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0.01%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets10.585%
Earning Assets to total Assets94.3%

Income and Expense

Total Interest Income$5.15M
Total Noninterest Income$387.00k
Total Interest Expense$1.49M
Total Noninterest Expense$1.62M
Net Interest Income$3.67M
Pre-tax Net Operating Income$2.42M
Provision for Credit Losses$10.00k
Discontinued Operations (Extraordinary Gains - Net)$0

Additional Financial Info

Goodwill and Other Intangibles$0
All Other Assets$0
Other Real Estate Owned$0
Other borrowed funds$7.45M
Federal Funds Sold & Reverse Repurchase Agreement$0
Federal Funds Purchased and Repurchased Agreement$0
All Other Liabilities$6.33M
Total Liabilities and Capital$352.16M

Securities

Securities$53.64M
Available-for-sale debt securities$53.64M
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?
$352.16M as of the latest filing.
How much are First State Bank's total deposits?
$301.11M in total deposits.
Where is First State Bank located?
Irvington, KY.
What is the Net Interest Margin?
4.46%.
How many domestic offices does it operate?
3.
When was it established?
01/01/1903.
What is the Return on Assets (ROA)?
2.1%.
How much are total loans and leases?
$273.30M (latest filing).
What is the total interest income (latest filing)?
$5.15M.