1ST STATE BANK
1ST STATE BANK is an FDIC-insured commercial bank headquartered in SAGINAW, MI, established in 2004. As of , 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 4.34%. CET1 capital ratio: 14.68%, well above regulatory minimums. NPL ratio: 0.63% · Texas Ratio: 3.26%. Operates 5 domestic branches.
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Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 14.68% | 1.60% | 0.63% | 3.26% | 4.34% |
| 2025-09-30 | 14.63% | 1.49% | 0.60% | 3.16% | 4.32% |
| 2025-06-30 | 13.92% | 1.34% | 0.63% | 3.47% | 4.23% |
| 2025-03-31 | 13.55% | 1.17% | 0.98% | 5.19% | 4.01% |
| 2024-12-31 | 14.29% | 1.34% | 0.78% | 4.08% | 3.94% |
| 2024-09-30 | 13.98% | 1.30% | 0.79% | 4.17% | 3.81% |
| 2024-06-30 | 13.41% | 0.57% | 1.32% | 7.38% | 3.73% |
| 2024-03-31 | 13.57% | 1.14% | 1.14% | 6.28% | 3.79% |
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Frequently asked about 1ST STATE BANK
What are 1st State Bank's total assets?
As of the Q4 2025 filing, 1st State Bank reported total assets of $480.5 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is 1st State Bank headquartered?
1st State Bank is headquartered in SAGINAW, MI, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was 1st State Bank founded?
1st State Bank was established in 2004, per the FDIC institution directory.
Is 1st State Bank FDIC-insured?
Yes. 1st State Bank is an FDIC-insured commercial bank (FDIC Certificate #57626). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates 1st State Bank?
1st State Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is 1st State Bank's CET1 capital ratio?
1st State Bank reported a Common Equity Tier 1 (CET1) capital ratio of 14.68% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does 1st State Bank operate?
1st State Bank operates 5 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is 1st State Bank's Texas Ratio?
1st State Bank's Texas Ratio is 3.26% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.