What is First State Bank's financial health grade?

First State Bank has a TFS Financial Health Grade of C (score: 73.6/100). 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 18 branch locations across the United States.

Is First State Bank FDIC insured?

Yes, First State Bank is FDIC insured (Certificate #9437).

What are the total assets of First State Bank?

First State Bank has total assets of $1.2B as reported in its most recent FDIC filing.

First State Bank

BankWinchester, Ohio

http://www.fsb4me.com

Total Assets

$1.2B

Total Deposits

$1.0B

Branches

Established

1934

TFS Health Grade

73.6 / 100

Average financial health

How we grade

First State Bank is a bank headquartered in Winchester, Ohio, established in 1934. With $1.2B in total assets and 18 branch locations, it has a TFS Financial Health Grade of C (73.6/100).

Capital & Safety

Tier 1 Capital Ratio

10.69%(8%)

Total Capital Ratio

18.54%(10%)

Non-Performing Loan Ratio

0.44%

Profitability

Return on Assets (ROA)

1.04%(1%)

Return on Equity (ROE)

14.57%(10%)

Net Interest Margin

3.36%

Efficiency Ratio

60.17%(60%)

Lending & Liquidity

Total Loans

$564.4M

Loan-to-Deposit Ratio

53.49%

Net Charge-Off Ratio

0.06%

Growth

Asset Growth (YoY)

+11.06%

Deposit Growth (YoY)

+9.08%

Net Income

$11.5M

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 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.