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First State Bank
Winchester, OH · FDIC Certificate #9437 · Chartered 01/0
Total assets
$1.24B
Total deposits
$1.10B
Total equity
$108.45M
Net loans
$565.85M
Branches (offices)
17
Net income (YTD)
$6.59M
Rank: #871 of 4,213 U.S. banks by assets · #33 of 155 in Ohio. Assets changed 10.7% and deposits 5.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.10% |
| Return on equity | 12.68% |
| Net interest margin (YTD) | 3.27% |
| Equity to assets | 8.74% |
| Tier 1 leverage ratio | 10.47% |
| Uninsured deposits (share of deposits) | 25.0% |
| Noncurrent loans (share of loans) | 0.86% |
| Net charge-offs (share of loans) | 0.03% |
| Loans to deposits | 51.5% |
| Real estate loans (share of loans) | 92.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $525.43M | 92.9% | |
| Commercial & industrial | $13.24M | 2.3% | |
| Consumer / individual | $26.44M | 4.7% | |
| Construction & development | $16.56M | 2.9% | |
| Agricultural | $1.81M | 0.3% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $824.14M | $763.59M | $4.29M | $57.44M |
| Jun 2023 | $941.49M | $858.10M | $4.69M | $58.86M |
| Jun 2024 | $1.07B | $988.02M | $4.66M | $72.14M |
| Jun 2025 | $1.12B | $1.05B | $5.77M | $65.95M |
| Jun 2026 | $1.24B | $1.10B | $6.59M | $108.45M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Ohio | $944.11M | 13 |
| Kentucky | $153.58M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.10B.
Similar-sized banks
Nbkc Bank ($1.24B) · Firstar Bank ($1.24B)
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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