Branch Network
1st State Bank Locations & Branches Saginaw, Michigan
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1st State Bank operates 5 branches from its headquarters in Saginaw, MI, .
1st State Bank branch network
All 5 branches are in MICHIGAN, across 3 cities. Saginaw, MI has the most of its branches, 2. Its largest office by deposits is its main office in Saginaw, MI, with $261.4M (61.0% of its branch deposits). It had the same number of branches on June 30, 2025.
1st State Bank at a glance
Its CET1 capital ratio was 14.97% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Total assets, Q2 2026
- $490.1M
- CET1 ratio, Q2 2026
- 14.97%
- Deposit insurance
- FDIC
- Regulator
- FDIC
- Latest call report
- Q2 2026, FFIEC 051
- Established
- 2004
Full financial profile · Is 1st State Bank safe? · 1st State Bank call report · Routing number
Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: Saginaw, MI (2 branches) | 3 of 8 | 16.1% | $313.1M |
| State: MI (5 branches) | 49 of 95 | 0.1% | $428.8M |
Ranked by total assets among banks headquartered in the state: Largest banks in Michigan.
Share by county and metro area
1st State Bank's share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| Saginaw, MI (2 branches) | 3 of 10 | 12.1% | $313.1M | $2.59B |
| Bay, MI (2 branches) | 5 of 7 | 5.7% | $73.3M | $1.30B |
| Midland, MI (1 branch) | 6 of 7 | 3.7% | $42.4M | $1.15B |
Metro areas
| Metro area | Rank | Deposit share | Deposits | Metro total |
|---|---|---|---|---|
| Saginaw, MI (2 branches) | 3 of 10 | 12.1% | $313.1M | $2.59B |
| Bay City, MI (2 branches) | 5 of 7 | 5.7% | $73.3M | $1.30B |
| Midland, MI (1 branch) | 6 of 7 | 3.7% | $42.4M | $1.15B |
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| 1st State Bank (main office) | Saginaw, MI | 48604 | $261.4M |
| State Street Branch | Saginaw, MI | 48603 | $51.7M |
| Bay City Branch | Bay City, MI | 48708 | $46.7M |
| Midland Branch | Midland, MI | 48640 | $42.4M |
| Wilder Road Bay City Branch | Bay City, MI | 48706 | $26.5M |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 57626) · FFIEC NIC profile (RSSD 3223305)