1st State Bank

BankSaginaw, Michigan
www.1ststate.bank

Total Assets

$480.5M

Total Deposits

$420.0M

Branches

5

Established

2004

TFS Health Grade

$
C+

79.8 / 100

Average financial health

How we grade

1st State Bank is a bank headquartered in Saginaw, Michigan, established in 2004. With $480.5M in total assets and 5 branch locations, it has a TFS Financial Health Grade of C+ (79.8/100).

Capital & Safety

Tier 1 Capital Ratio
11.81%(8%)
Total Capital Ratio
15.93%(10%)
Non-Performing Loan Ratio
0.66%

Profitability

Return on Assets (ROA)
1.40%(1%)
Return on Equity (ROE)
12.28%(10%)
Net Interest Margin
4.39%
Efficiency Ratio
58.91%(60%)

Lending & Liquidity

Total Loans
$318.7M
Loan-to-Deposit Ratio
74.56%
Net Charge-Off Ratio
0.02%

Growth

Asset Growth (YoY)
+6.32%
Deposit Growth (YoY)
+5.52%
Net Income
$6.5M

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.

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