BanksFIRST STATE BANK

FIRST STATE BANK

IRVINGTON, KYSmallEst. Jan. 1, 1903, midnightFDIC #12149RSSD #565143FDIC
Latest · 2025-12-31

FIRST STATE BANK is an FDIC-insured commercial bank headquartered in IRVINGTON, KY, established in Jan. 1, 1903, midnight. As of 2025-12-31, the bank reported total assets of $367M and total deposits of $315M. Profitability stands at 1.78% ROA and 16.82% ROE, with a net interest margin of 4.60%. CET1 capital ratio: 15.79%, well above regulatory minimums. NPL ratio: 0.04% · Texas Ratio: 0.28%. Operates 3 domestic branches.

Assets
$367M
Deposits
$315M
Loans
$285M
Equity
$39M

Profitability

Return on Assets (ROA)1.78%
Return on Equity (ROE)16.82%
Net Interest Margin4.60%
Yield on Assets6.47%
Cost of Funds1.96%

Asset Quality

NPL Ratio0.04%
Net Charge-Off Ratio0.01%
Texas Ratio0.28%
NPA Ratio0.03%
ACL / Loans0.24%

Capital & Liquidity

CET1 Ratio15.79%
Tier 1 Capital15.79%
Total Capital Ratio16.04%
Leverage Ratio11.99%
Loan-to-Deposit90.38%

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