First State Bank of Porter
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Data as of · sourced from FFIEC call reports. How we update
First State Bank of Porter is an FDIC-insured commercial bank headquartered in Porter, IN, established in 1920 (FDIC certificate 12836), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $162.3M, up 2.9% from Q2 2025, the 74th largest of 87 banks headquartered in Indiana. It reports no CET1 ratio; its Tier 1 leverage ratio was 16.80% 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
- 12836
- Headquarters
- Porter, IN
- Established
- 1920
- Total assets, Q2 2026
- $162.3M
- Assets vs Q2 2025
- +2.9%
- Tier 1 leverage ratio, Q2 2026
- 16.80%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 071211734
- Latest call report
- Q2 2026, FFIEC 051 · First State Bank of Porter call report
- Asset rank in state
- 74th of 87 in Indiana
First State Bank of Porter carries far more capital than most banks of its size. Based in Porter, Indiana, it had $162 million in assets at June 30, 2026, up 2.9% from a year earlier. It funds 16.80% of its assets with Tier 1 capital, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 10.99%). It also carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 banks its size (median 2.6%).
Paper losses on its bond portfolio are shrinking: unrealized losses of $6.3 million equal 23% of Tier 1 capital, down from 32% a year earlier. Profitability lags: it returns 5.9% a year on shareholders' equity, about half the median of 12.5% for banks its size.
As of June 30, 2026, First State Bank of Porter reported a return on assets of 0.82%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
First State Bank of Porter ranks as the 74th largest of the 87 banks based in Indiana, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 3.9% to $162.3M, loans fell 0.4% and deposits rose 4.0%. 1-4 family residential loans made up 47.6% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 30.9%. Its 3 offices in the FDIC Summary of Deposits are in Porter, IN, Pines, IN and Chesterton, IN; its Porter office books 67% of its branch deposits. By the capital ratios in its Q2 2026 call report, First State Bank of Porter meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 230 Lincoln St, Porter, IN 46304
- County
- Porter
- Metro Area
- Chicago-Naperville-Elgin, IL-IN
- 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
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- April 1, 1920
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 25
- Domestic deposits
- $138.2M
- Allowance for credit losses
- $986K
- Net charge-offs (YTD)
- $3K
- Average total assets
- $165.8M
- Average total loans
- $76.3M
- Average interest-bearing deposits
- $109.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 12836
- Fed RSSD
- 87047
- Website
- http://www.porterstatebank.com →
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 of Porter reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
First State Bank of Porter's total assets moved between a low of $156.3M (Q1 2026) and a high of $163.0M (Q4 2024) from Q3 2023 to 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
$162.3M total assets against $157.8M; $139.1M total liabilities against $137.0M.
$74.9M net loans and leases against $74.0M; $138.2M total deposits against $136.0M.
$61.4M securities against $64.7M; $16.1M cash and balances due against $8.6M.
$1.8M total interest income against $1.8M; $467K total interest expense against $500K.
$1.3M net interest income against $1.2M.
$144K total noninterest income against $138K; $1.1M total noninterest expense against $1.1M.
-$10K provision for credit losses against -$40K.
$339K net income against $343K.
0.82% return on assets against 0.83%; 3.48% net interest margin against 3.40%.
16.80% tier 1 leverage ratio against 16.37%.
Inside the full First State Bank of Porter terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst State Bank of Porter rankings
Its closest position to the top of a national ranking is 3,203 of 4,196, for total assets; its furthest is 3,562 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.66% (Q3 2024) to 0.90% (Q4 2025) and its net interest margin ran from 3.11% (Q3 2024) to 3.55% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.80% | 0.82% | 0.00% | 0.00% | 3.48% |
| Q1 2026 | 17.05% | 0.82% | 0.11% | 0.35% | 3.50% |
| Q4 2025 | 16.53% | 0.90% | 0.18% | 0.58% | 3.55% |
| Q3 2025 | 16.40% | 0.86% | 0.00% | 0.00% | 3.50% |
| Q2 2025 | 16.37% | 0.83% | 0.00% | 0.00% | 3.40% |
| Q1 2025 | 16.06% | 0.69% | 0.00% | 0.00% | 3.24% |
| Q4 2024 | 15.99% | 0.75% | 0.00% | 0.00% | 3.20% |
| Q3 2024 | 16.04% | 0.66% | 0.23% | 0.77% | 3.11% |
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 of Porter (main office) | Porter , IN | 46304 | $92.3M |
| Pines Branch | Pines , IN | 46360 | $27.0M |
| Chesterton Branch | Chesterton , IN | 46304 | $19.0M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IN, rank 103 of 129 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 21 applications, 13 loans originated, $3.6M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $250K approved, $250K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2022 (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 of Porter
What are First State Bank of Porter's total assets?
As of the Q2 2026 filing, First State Bank of Porter reported total assets of $162.3 million in its FFIEC call report.
Where is First State Bank of Porter headquartered?
It is headquartered in Porter, IN, United States.
When was First State Bank of Porter founded?
It was established in 1920, per the FDIC institution directory.
Is First State Bank of Porter FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #12836). 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 of Porter?
First State Bank of Porter's primary federal regulator is the Federal Reserve.
How many branches does First State Bank of Porter 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 of Porter's Texas Ratio?
Its Texas Ratio is 0.00% 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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