What is First State Bank's financial health grade?

First State Bank has a TFS Financial Health Grade of B- (score: 76.7/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does First State Bank have?

First State Bank has 11 branch locations across the United States.

Is First State Bank FDIC insured?

Yes, First State Bank is FDIC insured (Certificate #15032).

What are the total assets of First State Bank?

First State Bank has total assets of $1.3B as reported in its most recent FDIC filing.

First State Bank: Safety Grade & Financial Health

BankEastpointe, Michigan

www.fsb.bank

Total Assets

$1.3B

Total Deposits

$1.2B

Branches

Established

1917

First State Bank is a bank headquartered in Eastpointe, Michigan, established in 1917. It holds $1.3B in total assets across 11 branch locations. In our editorial opinion, based on public FDIC/NCUA data, First State Bank earns a TFS Financial Health Grade of B- (76.7/100) — our editorial assessment, not an official rating or financial advice.

TFS Health Grade

B-

76.7 / 100

Good financial health

How we grade

TFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.

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Capital & Safety

Tier 1 Capital Ratio

9.55%(8%)

Total Capital Ratio

0.00%(10%)

Non-Performing Loan Ratio

0.81%

Profitability

Return on Assets (ROA)

1.16%(1%)

Return on Equity (ROE)

12.94%(10%)

Net Interest Margin

3.57%

Efficiency Ratio

65.35%(60%)

Lending & Liquidity

Total Loans

$1.0B

Loan-to-Deposit Ratio

83.99%

Net Charge-Off Ratio

Other banks in Michigan

LAKE MICHIGAN

Grand Rapids, MI

$16.0B

MICHIGAN STATE UNIVERSITY

East Lansing, MI

$8.4B

DFCU FINANCIAL

Dearborn, MI

$7.8B

Northpointe Bank

Bank

Grand Rapids, MI

Branch	Address	City	State	Type
First State BankHQ	16100 E 9 Mile Rd	Eastpointe	MI	11
First State Bank	53950 Gratiot Ave	Chesterfield	MI	11
First State Bank	44990 N Groesbeck Hwy	Clinton Township	MI	11
First State Bank	41240 Hayes Rd	Clinton Township	MI	11
First State Bank	53050 Romeo Plank Rd	Macomb	MI	11
First State Bank	67225 Gratiot Ave	Richmond	MI	11
First State Bank	1575 S Rochester Rd	Rochester Hills	MI	11
First State Bank	23600 Greater Mack Ave	St. Clair Shores	MI	11
First State Bank	24335 Harper Ave	St. Clair Shores	MI	11
First State Bank	2032 19 Mile Rd	Sterling Heights	MI	11
First State Bank	11555 26 Mile Rd	Washington Township	MI	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.

Institution Details

Institution TypeBank

FDIC Certificate #15032

Primary RegulatorFED

FDIC/NCUA InsuredYes

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

TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.