Branch Network
First State Bank Locations & Branches Winchester, Ohio
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First State Bank operates 17 branches from its headquarters in Winchester, OH, .
First State Bank branch network
Its 17 branches span 2 states and 17 cities. The most are in OHIO (13) and KENTUCKY (4). OHIO holds 86.0% of its branch deposits. Its largest office by deposits is its main office in Winchester, OH, with $271.0M (24.7% of its branch deposits). It had the same number of branches on June 30, 2025.
First State Bank at a glance
Its CET1 capital ratio was 17.38% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Total assets, Q2 2026
- $1.24B
- CET1 ratio, Q2 2026
- 17.38%
- Deposit insurance
- FDIC
- Regulator
- FDIC
- Established
- 1934
Full financial profile · Is First State Bank safe? · 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: Winchester, OH (1 branch) | 1 of 1 | 100.0% | $271.0M |
| State: OH (13 branches) | 42 of 184 | 0.2% | $944.1M |
Ranked by total assets among banks headquartered in the state: Largest banks in Ohio.
Share by county and metro area
First 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 |
|---|---|---|---|---|
| Adams, OH (5 branches) | 1 of 5 | 71.2% | $547.3M | $768.2M |
| Brown, OH (4 branches) | 1 of 6 | 30.3% | $227.6M | $750.7M |
| Martin, KY (2 branches) | 1 of 2 | 73.3% | $95.4M | $130.1M |
| Fayette, OH (1 branch) | 4 of 8 | 12.3% | $80.7M | $654.0M |
| Highland, OH (1 branch) | 5 of 9 | 1.5% | $69.1M | $4.51B |
| Lawrence, KY (1 branch) | 1 of 4 | 30.7% | $51.7M | $168.4M |
| Clinton, OH (1 branch) | 10 of 11 | 1.5% | $14.5M | $939.4M |
| Mason, KY (1 branch) | 6 of 6 | 1.2% | $6.5M | $539.3M |
| Scioto, OH (1 branch) | 7 of 8 | 0.6% | $5.0M | $914.5M |
Metro areas
| Metro area | Rank | Deposit share | Deposits | Metro total |
|---|---|---|---|---|
| Cincinnati, OH-KY-IN (4 branches) | 28 of 55 | 0.1% | $227.6M | $187.51B |
| Washington Court House, OH (1 branch) | 4 of 8 | 12.3% | $80.7M | $654.0M |
| Wilmington, OH (1 branch) | 10 of 11 | 1.5% | $14.5M | $939.4M |
| Maysville, KY (1 branch) | 6 of 6 | 1.2% | $6.5M | $539.3M |
| Portsmouth, OH (1 branch) | 7 of 8 | 0.6% | $5.0M | $914.5M |
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First State Bank (main office) | Winchester, OH | 45697 | $271.0M |
| West Union Branch | West Union, OH | 45693 | $134.1M |
| Georgetown Branch | Georgetown, OH | 45121 | $131.5M |
| Inez Deposit Bank Branch | Inez, KY | 41224 | $82.3M |
| Washington Court House Branch | Washington Court House, OH | 43160 | $80.7M |
| Hillsboro Branch | Hillsboro, OH | 45133 | $69.1M |
| Inez Deposit Bank E Main St Branch | Louisa, KY | 41230 | $51.7M |
| Manchester Branch | Manchester, OH | 45144 | $50.0M |
| Peebles Branch | Peebles, OH | 45660 | $49.3M |
| Seaman Branch | Seaman, OH | 45679 | $43.0M |
| Mt Orab Branch | Mount Orab, OH | 45154 | $40.7M |
| Ripley Branch | Ripley, OH | 45167 | $35.8M |
| Fayetteville Branch | Fayetteville, OH | 45118 | $19.6M |
| Wilmington Branch | Wilmington, OH | 45177 | $14.5M |
| Warfield Branch | Warfield, KY | 41267 | $13.1M |
| Maysville Branch | Maysville, KY | 41056 | $6.5M |
| Portsmouth Branch | Portsmouth, OH | 45662 | $5.0M |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 9437) · FFIEC NIC profile (RSSD 294023)