Total Assets
$1.2B
Total Deposits
$1.1B
Branches
18
Established
1934
First State Bank is a bank headquartered in Winchester, Ohio, established in 1934. It holds $1.2B in total assets across 18 branch locations. In our editorial opinion, based on public FDIC/NCUA data, First State Bank earns a TFS Financial Health Grade of B- (75.4/100) — our editorial assessment, not an official rating or financial advice.
TFS Health Grade
75.4 / 100
Good financial health
How we gradeTFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.
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Financial data through June 30, 2026. Updated by TFS August 28, 2026. Data sourced from FDIC BankFind Suite as of 2026-Q2. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from CFPB Consumer Complaint Database. 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 BankHQ | 19230 State Route 136 | Winchester | OH | 11 |
| First State Bank | 41 W Main St | Inez | KY | 11 |
| First State Bank | 202 E Main St | Louisa | KY | 11 |
| First State Bank | 169 Wal-Mart Way | Maysville | KY | 11 |
| First State Bank | 71 Riverfront Rd | Warfield | KY | 11 |
| First State Bank | 19575 Us 68 | Fayetteville | OH | 11 |
| First State Bank | 4928 State Route 125 | Georgetown | OH | 11 |
| First State Bank | 730 Harry Sauner Rd | Hillsboro | OH | 11 |
| First State Bank | 220 S 6th St | Ironton | OH | 24 |
| First State Bank | 210 Pike St | Manchester | OH | 11 |
| First State Bank | 501 W Main St | Mount Orab | OH | 11 |
| First State Bank | 145 N Main St | Peebles | OH | 11 |
| First State Bank | 1110 Gay St | Portsmouth | OH | 11 |
| First State Bank | 252 S 2nd St | Ripley | OH | 11 |
| First State Bank | 105 Main St | Seaman | OH | 11 |
| First State Bank | 543 Clinton Ave | Washington Court House | OH | 11 |
| First State Bank | 409 W Main St | West Union | OH | 11 |
| First State Bank | 1584 Rombach Ave | Wilmington | OH | 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.
Data sourced from FDIC Enforcement Decisions and Orders / 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.
Benchmarked against 60 active, federally insured banks reporting in the same quarter and holding roughly 0.5×–2× its assets. Same-state and overlapping-market peers are prioritized.
TFS health score
75.4
Tier 1 capital ratio
10.47%
Return on assets
1.10%
Non-performing loans
0.86%
Efficiency ratio
61.35%
Asset growth (YoY)
10.71%
Suggested direct comparisons
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Millersburg, OH
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Complaint percentiles are intentionally withheld while TFS audits CFPB company matching and import coverage. Peer conclusions use complete same-quarter regulatory metrics only.