First State Bank of the Southeast, Inc
Middlesboro, KY
IDRSSD: 961811
Total Assets
$412.30M
Latest filing
Total Deposits
$272.91M
Latest filing
Net Interest Margin
3.67%
Profitability
Key People
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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 | 01/04/1904 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 40965 |
| State and County Number | 21013 |
| Subchapter S Corporations | Yes |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 04 |
| Numeric code | 21 |
| Insured by FDIC | Institution closed or not insured by FDIC |
| Federal Reserve District | CHICAGO |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 72 |
| Domestic Offices | 9 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 07/01/2025 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.ourfsb.bank |
| Data Updated | 2/13/2026 |
| CERT | 2710 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $412.30M |
| Total Deposits | $272.91M |
| Total Liabilities | $382.37M |
| Total Equity Capital | $29.93M |
| Net Income | $54.00k |
| Net Loans and Leases | $351.86M |
| Assets Per Employee ($Millions) | $5.73M |
| Bank Premises and Fixed Assets | $11.63M |
| Cash and Balances due from Depository Institutions | $20.88M |
| Deposits Held in Domestic Offices | $272.91M |
Key Performance Ratios
| Return on Assets (ROA) | 0.05% |
| Return on Equity (ROE) | 0.71% |
| Net Interest Margin | 3.67% |
| Efficiency Ratio | 98.61% |
| Tier 1 Risk-Based Capital Ratio | 10.667% |
| 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 | 7.259% |
| Earning Assets to total Assets | 94.22% |
Income and Expense
| Total Interest Income | $5.55M |
| Total Noninterest Income | $326.00k |
| Total Interest Expense | $1.98M |
| Total Noninterest Expense | $3.84M |
| Net Interest Income | $3.57M |
| Pre-tax Net Operating Income | $54.00k |
| 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 | $99.18M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $10.29M |
| Total Liabilities and Capital | $412.30M |
Securities
| Securities | $21.69M |
| Available-for-sale debt securities | $21.69M |
| 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 of the Southeast, Inc?
$412.30M as of the latest filing.
How much are First State Bank of the Southeast, Inc's total deposits?
$272.91M in total deposits.
Where is First State Bank of the Southeast, Inc located?
Middlesboro, KY.
What is the Net Interest Margin?
3.67%.
How many domestic offices does it operate?
9.
When was it established?
01/04/1904.
What is the Return on Assets (ROA)?
0.05%.
How much are total loans and leases?
$351.86M (latest filing).
What is the total interest income (latest filing)?
$5.55M.