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First State Bank
Irvington, KY · FDIC Certificate #12149 · Chartered 01/0
Total assets
$401.97M
Total deposits
$354.25M
Total equity
$41.38M
Net loans
$287.69M
Branches (offices)
3
Net income (YTD)
$3.39M
Rank: #2,054 of 4,213 U.S. banks by assets · #52 of 120 in Kentucky. Assets changed 15.0% and deposits 18.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.72% |
| Return on equity | 16.92% |
| Net interest margin (YTD) | 4.08% |
| Equity to assets | 10.29% |
| Tier 1 leverage ratio | 11.23% |
| Uninsured deposits (share of deposits) | 14.3% |
| Noncurrent loans (share of loans) | 1.33% |
| Net charge-offs (share of loans) | 0.03% |
| Loans to deposits | 81.2% |
| Real estate loans (share of loans) | 82.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $237.38M | 82.5% | |
| Commercial & industrial | $36.41M | 12.7% | |
| Consumer / individual | $12.30M | 4.3% | |
| Construction & development | $45.29M | 15.7% | |
| Agricultural | $1.40M | 0.5% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $249.98M | $222.93M | $1.85M | $23.23M |
| Jun 2023 | $279.23M | $249.15M | $1.98M | $25.46M |
| Jun 2024 | $319.13M | $272.59M | $2.06M | $29.22M |
| Jun 2025 | $349.53M | $297.96M | $3.24M | $34.94M |
| Jun 2026 | $401.97M | $354.25M | $3.39M | $41.38M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kentucky | $354.25M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $354.25M.
Similar-sized banks
Crown Bank ($402.03M) · Bankcherokee ($401.94M)
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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