FIRST STATE BANK

EASTPOINTE, MI | Large | Est. Jan. 1, 1917, midnight | FDIC #15032 | RSSD #113740 | FED
Latest Report: 2025-12-31

FIRST STATE BANK is aln large FDIC-insured commercial bank headquartered in EASTPOINTE, MI, established in Jan. 1, 1917, midnight. As of 2025-12-31, the bank reported total assets of $1.3B and total deposits of $1.2B. Profitability stands at 1.18% ROA and 12.68% ROE, with a net interest margin of 3.80%. The bank's CET1 capital ratio is 9.45%. Asset quality metrics show a non-performing loan ratio of 0.81% and a Texas Ratio of 5.96%. FDIC Certificate #15032.

Assets

$1.3B

Deposits

$1.2B

Loans

$1.0B

Equity

$125M

Profitability

Return on Assets (ROA) 1.18%
Return on Equity (ROE) 12.68%
Net Interest Margin (NIM) 3.80%
Yield on Assets 5.93%
Cost of Funds 2.35%

Asset Quality

NPL Ratio 0.81%
Net Charge-Off Ratio 0.02%
Texas Ratio 5.96%
NPA Ratio 0.63%
ACL / Loans 1.36%

Capital & Liquidity

CET1 Ratio 9.45%
Tier 1 Capital 9.45%
Total Capital Ratio 9.92%
Leverage Ratio 9.55%
Loan-to-Deposit 85.15%

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