First State Bank (Eastpointe, MI)
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Data as of · sourced from FFIEC call reports. How we update
First State Bank is an FDIC-insured commercial bank headquartered in Eastpointe, MI, established in 1917 (FDIC certificate 15032), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $1.35B, up 4.6% from Q2 2025, the 12th largest of 72 banks headquartered in Michigan. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.01% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 15032
- Headquarters
- Eastpointe, MI
- Established
- 1917
- Total assets, Q2 2026
- $1.35B
- Assets vs Q2 2025
- +4.6%
- Tier 1 leverage ratio, Q2 2026
- 10.01%
- Domestic offices
- 11 FDIC institution directory, current count
- Routing number
- 072410165
- Holding company
- FIRST STATE FINANCIAL CORPORATION
- Asset rank in state
- 12th of 72 in Michigan
Problem loans are rising at First State Bank. It reported $1.3 billion in assets at June 30, 2026, up 4.6% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.81% of loans from 0.45% a year earlier. It grew its loan book 15.9% over the year, 2.7 times the median of 5.9% for the 895 banks with $1 billion to $10 billion in assets.
Net income for the quarter rose 24% from a year earlier, to $4.3 million. Over the same year, loans grew 15.9% and deposits grew 3.9%.
As of June 30, 2026, First State Bank reported a return on assets of 1.27%, a nonperforming-loan ratio of 0.81% and a Texas ratio of 6.20%. The figures come from its call report filed with the FFIEC.
Of the 72 banks headquartered in Michigan, First State Bank is the 12th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets were flat, loans rose 3.3% and deposits fell 0.2%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 37.0% of total loans, followed by owner-occupied commercial real estate loans at 18.8%. The FDIC Summary of Deposits lists 11 offices for it, in 9 cities in MI; its Eastpointe office books 47% of its branch deposits. Judged on its Q2 2026 call report, First State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 16100 E 9 Mile Rd, Eastpointe, MI 48021
- County
- Macomb
- Metro Area
- Detroit-Warren-Dearborn, MI
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- January 1, 1917
- Former names
- First State Bank of East Detroit (1975-2012)
- Domestic offices
- 11 FDIC institution directory, current count
- Employees (FTE)
- 184
- Domestic deposits
- $1.21B
- Allowance for credit losses
- $13.6M
- Net charge-offs (YTD)
- $644K
- Average total assets
- $1.34B
- Average total loans
- $1.07B
- Average interest-bearing deposits
- $987.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- February 21, 1935
- FDIC Cert
- 15032
- Fed RSSD
- 113740
- Website
- www.fsb.bank →
- Parent Holding Company
- FIRST STATE FINANCIAL CORPORATION (RSSD 1204177)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, First State Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, First State Bank's total assets ran between $1.12B (Q3 2023) and $1.35B (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.35B total assets against $1.29B; $1.22B total liabilities against $1.17B.
$1.04B net loans and leases against $896.9M; $1.21B total deposits against $1.17B.
$148.3M securities against $197.1M; $91.3M cash and balances due against $129.8M.
$18.2M total interest income against $16.9M; $6.3M total interest expense against $6.3M.
$12.0M net interest income against $10.6M.
$3.1M total noninterest income against $2.7M; $9.4M total noninterest expense against $8.9M.
$300K provision for credit losses against $0.
$4.3M net income against $3.4M.
1.27% return on assets against 1.08%; 3.56% net interest margin against 3.35%.
10.01% tier 1 leverage ratio against 9.50%.
Inside the full First State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst State Bank rankings
Its closest position to the top of a national ranking is 812 of 4,196, for total assets; its furthest is 2,091 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.96% (Q4 2024) to 1.32% (Q3 2025) and its net interest margin ran from 3.07% (Q4 2024) to 3.58% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.01% | 1.27% | 0.81% | 6.20% | 3.56% |
| Q1 2026 | 9.77% | 1.20% | 0.81% | 5.84% | 3.38% |
| Q4 2025 | 9.55% | 1.17% | 0.81% | 5.96% | 3.42% |
| Q3 2025 | 9.47% | 1.32% | 0.58% | 4.28% | 3.58% |
| Q2 2025 | 9.50% | 1.08% | 0.45% | 3.56% | 3.35% |
| Q1 2025 | 9.26% | 1.07% | 0.39% | 3.02% | 3.13% |
| Q4 2024 | 9.13% | 0.96% | 0.33% | 2.67% | 3.07% |
| Q3 2024 | 9.21% | 1.29% | 0.19% | 1.73% | 3.35% |
Swipe the table sideways to see every column.
Branch Network
View all 11 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First State Bank (main office) | Eastpointe , MI | 48021 | $574.7M |
| Richmond Branch | Richmond , MI | 48062 | $111.5M |
| Mack Branch | St. Clair Shores , MI | 48080 | $91.6M |
| Macomb Branch | Macomb , MI | 48042 | $86.8M |
| Harper Branch | St. Clair Shores , MI | 48080 | $79.5M |
| Hayes Clinton Township Branch | Clinton Township , MI | 48038 | $63.9M |
| Chesterfield Township Branch | Chesterfield , MI | 48051 | $52.8M |
| Clinton Branch | Clinton Township , MI | 48036 | $51.0M |
| Washinton Twp Office Branch | Washington Township , MI | 48094 | $50.0M |
| Sterling Heights 19 Mile Road Branch | Sterling Heights , MI | 48314 | $31.0M |
| Rochester Branch | Rochester Hills , MI | 48307 | $21.6M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| June 29, 2015 | Structure Change | Acquired First State Bank Mortgage Company, LLC Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 1, 1989 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 1, 1989 | Structure Change | Acquired Macomb County Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 3 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.4% of deposits in MI, rank 23 of 95 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 1,184 applications, 1,028 loans originated, $277.5M originated, across 16 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 3 loans, $1.6M approved, $525K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about First State Bank
What are First State Bank's total assets?
As of the Q2 2026 filing, First State Bank reported total assets of $1.35 billion in its FFIEC call report.
Where is First State Bank headquartered?
It is headquartered in Eastpointe, MI, United States.
When was First State Bank founded?
It was established in 1917, per the FDIC institution directory.
Is First State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #15032). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First State Bank?
First State Bank's primary federal regulator is the Federal Reserve.
How many branches does First State Bank operate?
It operates 11 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First State Bank's Texas Ratio?
Its Texas Ratio is 6.20% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was First State Bank previously called?
The charter now named First State Bank has also operated as First State Bank of East Detroit (1975-2012), per FDIC structure-change records.
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