First State Bank

BankEastpointe, Michigan
www.fsb.bank

Total Assets

$1.3B

Total Deposits

$1.2B

Branches

11

Established

1917

TFS Health Grade

$
D+

67.6 / 100

Below average financial health

How we grade

First State Bank is a bank headquartered in Eastpointe, Michigan, established in 1917. With $1.3B in total assets and 11 branch locations, it has a TFS Financial Health Grade of D+ (67.6/100).

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
0.02%

Growth

Asset Growth (YoY)
+5.67%
Deposit Growth (YoY)
+4.90%
Net Income
$15.1M

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.

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