What is First State Bank of Middlebury's financial health grade?

First State Bank of Middlebury has a TFS Financial Health Grade of C+ (score: 79.5/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does First State Bank of Middlebury have?

First State Bank of Middlebury has 6 branch locations across the United States.

Is First State Bank of Middlebury FDIC insured?

Yes, First State Bank of Middlebury is FDIC insured (Certificate #8745).

What are the total assets of First State Bank of Middlebury?

First State Bank of Middlebury has total assets of $813.1M as reported in its most recent FDIC filing.

First State Bank of Middlebury

BankMiddlebury, Indiana

www.Bfirst.bank

Total Assets

$813.1M

Total Deposits

$654.0M

Branches

Established

1910

TFS Health Grade

C+

79.5 / 100

Average financial health

How we grade

First State Bank of Middlebury is a bank headquartered in Middlebury, Indiana, established in 1910. With $813.1M in total assets and 6 branch locations, it has a TFS Financial Health Grade of C+ (79.5/100).

Capital & Safety

Tier 1 Capital Ratio

13.03%(8%)

Total Capital Ratio

17.59%(10%)

Non-Performing Loan Ratio

1.70%

Profitability

Return on Assets (ROA)

1.30%(1%)

Return on Equity (ROE)

12.02%(10%)

Net Interest Margin

4.24%

Efficiency Ratio

57.01%(60%)

Lending & Liquidity

Total Loans

$643.0M

Loan-to-Deposit Ratio

96.69%

Net Charge-Off Ratio

0.00%

Growth

Asset Growth (YoY)

+3.24%

Deposit Growth (YoY)

+4.91%

Net Income

$10.5M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
First State Bank of MiddleburyHQ	111 South Main Street	Middlebury	IN	11
First State Bank of Middlebury	1515 Cobblestone Boulevlard	Elkhart	IN	11
First State Bank of Middlebury	200 Nibco Pkwy	Elkhart	IN	11
First State Bank of Middlebury	201 N Main St	Goshen	IN	11
First State Bank of Middlebury	1820 Greencroft Blvd	Goshen	IN	11
First State Bank of Middlebury	1015 S Bend Ave	South Bend	IN	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.