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1St State Bank
Saginaw, MI · FDIC Certificate #57626 · Chartered 04/1
Total assets
$490.07M
Total deposits
$428.76M
Total equity
$58.70M
Net loans
$318.25M
Branches (offices)
5
Net income (YTD)
$3.27M
Rank: #1,813 of 4,213 U.S. banks by assets · #35 of 72 in Michigan. Assets changed 4.7% and deposits 9.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.35% |
| Return on equity | 11.39% |
| Net interest margin (YTD) | 4.32% |
| Equity to assets | 11.98% |
| Tier 1 leverage ratio | 12.27% |
| Uninsured deposits (share of deposits) | 43.4% |
| Noncurrent loans (share of loans) | 0.35% |
| Net charge-offs (share of loans) | 0.22% |
| Loans to deposits | 74.2% |
| Real estate loans (share of loans) | 67.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $215.66M | 67.8% | |
| Commercial & industrial | $107.36M | 33.7% | |
| Consumer / individual | $255.00K | 0.1% | |
| Construction & development | $17.81M | 5.6% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $460.76M | $411.77M | $1.97M | $35.55M |
| Jun 2023 | $479.40M | $429.92M | $2.58M | $39.58M |
| Jun 2024 | $478.50M | $427.90M | $2.04M | $45.76M |
| Jun 2025 | $468.18M | $391.28M | $2.85M | $52.24M |
| Jun 2026 | $490.07M | $428.76M | $3.27M | $58.70M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Michigan | $428.76M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $428.76M.
Similar-sized banks
Evabank ($490.60M) · Black Hills Community Bank, N.A. ($489.71M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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