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First State Bank
Eastpointe, MI · FDIC Certificate #15032 · Chartered 01/0
Total assets
$1.35B
Total deposits
$1.21B
Total equity
$130.78M
Net loans
$1.04B
Branches (offices)
11
Net income (YTD)
$8.27M
Rank: #820 of 4,213 U.S. banks by assets · #12 of 72 in Michigan. Assets changed 4.6% and deposits 3.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.24% |
| Return on equity | 12.96% |
| Net interest margin (YTD) | 3.71% |
| Equity to assets | 9.69% |
| Tier 1 leverage ratio | 10.01% |
| Uninsured deposits (share of deposits) | 36.8% |
| Noncurrent loans (share of loans) | 0.81% |
| Net charge-offs (share of loans) | 0.13% |
| Loans to deposits | 85.8% |
| Real estate loans (share of loans) | 83.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $864.04M | 83.0% | |
| Commercial & industrial | $143.77M | 13.8% | |
| Consumer / individual | $2.43M | 0.2% | |
| Construction & development | $63.58M | 6.1% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $988.48M | $905.09M | $2.66M | $82.18M |
| Jun 2023 | $1.07B | $880.32M | $6.93M | $87.29M |
| Jun 2024 | $1.23B | $1.08B | $6.59M | $100.39M |
| Jun 2025 | $1.29B | $1.17B | $6.86M | $116.81M |
| Jun 2026 | $1.35B | $1.21B | $8.27M | $130.78M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Michigan | $1.21B | 11 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.21B.
Similar-sized banks
Sabine State Bank And Trust Company ($1.35B) · Townbridge Bank ($1.35B)
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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