First State Bank (Irvington, KY)
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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 Irvington, KY, established in 1903 (FDIC certificate 12149), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $402.0M, up 15.0% from Q2 2025, the 52nd largest of 120 banks headquartered in Kentucky. Its CET1 capital ratio was 16.50% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 12149
- Headquarters
- Irvington, KY
- Established
- 1903
- Total assets, Q2 2026
- $402.0M
- Assets vs Q2 2025
- +15.0%
- CET1 ratio, Q2 2026
- 16.50%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 083903564
- Holding company
- FIRST BRECKINRIDGE BANCSHARES, INC.
- Asset rank in state
- 52nd of 120 in Kentucky
Problem loans are rising at First State Bank. It reported $402 million in assets at June 30, 2026, up 15.0% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.33% of loans from 0.10% a year earlier. It grew deposits 18.9% over the year, 4.7 times the median of 4.0% for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 47 cents to bring in each dollar of revenue, lower than about three-quarters of banks its size (median 61 cents).
Deposits are coming in faster than loans: over the year loans rose 6.1% and deposits rose 18.9%. Paper losses on its bond portfolio are shrinking: unrealized losses of $7.2 million equal 15% of Tier 1 capital, down from 21% a year earlier. Credit is the area to watch: it carries problem assets equal to 9.1% of the capital and reserves that would absorb them, 3.5 times the median of 2.6% for banks its size.
As of June 30, 2026, First State Bank reported a CET1 capital ratio of 16.50%, a return on assets of 1.60%, a nonperforming-loan ratio of 1.33% and a Texas ratio of 9.12%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, First State Bank is the 52nd largest of the 120 banks headquartered in Kentucky. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 3.0% to $402.0M, loans rose 0.4% and deposits fell 3.1%. 1-4 family residential loans made up 39.2% of its total loans on June 30, 2026, its largest category; next came construction and land development loans at 15.7%. The FDIC Summary of Deposits lists 3 offices for it, in Irvington, KY, Hardinsburg, KY and Mcdaniels, KY; its Irvington office books 57% of its branch deposits. Judged on its Q2 2026 call report, First State Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 240 N 1st St, Irvington, KY 40146
- County
- Breckinridge
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- January 1, 1903
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 90
- Domestic deposits
- $354.3M
- Allowance for credit losses
- $727K
- Net charge-offs (YTD)
- $44K
- Average total assets
- $415.7M
- Average total loans
- $287.6M
- Average interest-bearing deposits
- $260.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 12149
- Fed RSSD
- 565143
- SEC CIK
- 2127309 → filed by FIRST BRECKINRIDGE BANCSHARES, INC.
- Website
- www.firststatebankky.com →
- Parent Holding Company
- FIRST BRECKINRIDGE BANCSHARES, INC. (RSSD 1119404)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, First State Bank's total assets ranged from $285.8M (Q3 2023) to $414.5M (Q1 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
$402.0M total assets against $349.5M; $360.6M total liabilities against $314.6M.
$287.7M net loans and leases against $271.1M; $354.3M total deposits against $298.0M.
$58.0M securities against $53.1M; $39.3M cash and balances due against $4.1M.
$5.6M total interest income against $5.2M; $1.8M total interest expense against $1.5M.
$3.8M net interest income against $3.7M.
$385K total noninterest income against $348K; $2.0M total noninterest expense against $1.8M.
$21K provision for credit losses against $10K.
$1.7M net income against $1.7M.
1.60% return on assets against 1.90%; 3.91% net interest margin against 4.42%.
16.50% CET1 capital ratio against 15.09%; 11.23% tier 1 leverage ratio against 11.61%.
Inside the full First State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
First State Bank rankings
Its closest position to the top of a national ranking is 574 of 3,606, for efficiency ratio; its furthest is 2,045 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.55% (Q3 2024) to 2.08% (Q4 2024) and its net interest margin ran from 3.91% (Q2 2026) to 4.42% (Q2 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.50% | 1.60% | 1.33% | 9.12% | 3.91% |
| Q1 2026 | 16.22% | 1.80% | 0.10% | 0.71% | 4.20% |
| Q4 2025 | 15.79% | 1.74% | 0.23% | 1.65% | 4.39% |
| Q3 2025 | 15.85% | 2.06% | 0.06% | 0.46% | 4.36% |
| Q2 2025 | 15.09% | 1.90% | 0.10% | 0.78% | 4.42% |
| Q1 2025 | 14.97% | 1.76% | 0.08% | 0.67% | 4.34% |
| Q4 2024 | 15.10% | 2.08% | 0.13% | 1.03% | 4.34% |
| Q3 2024 | 15.22% | 1.55% | 0.19% | 1.46% | 4.20% |
Swipe the table sideways to see every column.
Branch Network
View all 3 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) | Irvington , KY | 40146 | $203.1M |
| Hardinsburg Branch | Hardinsburg , KY | 40143 | $135.4M |
| Rough River Branch | Mcdaniels , KY | 40152 | $15.7M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in KY, rank 64 of 152 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, 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 $402.0 million in its FFIEC call report.
Where is First State Bank headquartered?
It is headquartered in Irvington, KY, United States.
When was First State Bank founded?
It was established in 1903, per the FDIC institution directory.
Is First State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #12149). 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 FDIC.
What is First State Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 16.50% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does First State Bank operate?
It operates 3 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 9.12% 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.
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