1ST STATE BANK

SAGINAW, MI | Small | Est. April 12, 2004, midnight | FDIC #57626 | RSSD #3223305 | FDIC
Latest Report: 2025-12-31

1ST STATE BANK is asn small FDIC-insured commercial bank headquartered in SAGINAW, MI, established in April 12, 2004, midnight. As of 2025-12-31, the bank reported total assets of $480M and total deposits of $420M. Profitability stands at 1.60% ROA and 13.57% ROE, with a net interest margin of 4.53%. The bank's CET1 capital ratio is 14.68%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.63% and a Texas Ratio of 3.26%. FDIC Certificate #57626.

Assets

$480M

Deposits

$420M

Loans

$319M

Equity

$57M

Profitability

Return on Assets (ROA) 1.60%
Return on Equity (ROE) 13.57%
Net Interest Margin (NIM) 4.53%
Yield on Assets 6.01%
Cost of Funds 1.55%

Asset Quality

NPL Ratio 0.63%
Net Charge-Off Ratio 0.02%
Texas Ratio 3.26%
NPA Ratio 0.42%
ACL / Loans 1.73%

Capital & Liquidity

CET1 Ratio 14.68%
Tier 1 Capital 14.68%
Total Capital Ratio 15.93%
Leverage Ratio 11.81%
Loan-to-Deposit 75.88%

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