First State Bank


First State Bank is an FDIC insured institution headquartered at 19230 State Route 136, Winchester, OH 45697.
It was founded in 1934 and has approximately $1 billion in assets. Customers can open an account at one of its 13 branches.

Deposit Rates - November 19, 2024

SAVINGS RATES APY MIN
Savings
0.07% $2,500 Compare
CD RATES APY MIN
6 Mo CD
0.04% $10,000 Compare
6 Mo CD
0.04% $100,000 Compare
12 Mo CD
0.08% $10,000 Compare
12 Mo CD
0.08% $100,000 Compare
30 Mo CD
0.13% $10,000 Compare
30 Mo CD
0.13% $100,000 Compare
36 Mo CD
0.18% $10,000 Compare
36 Mo CD
0.18% $100,000 Compare
48 Mo CD
0.26% $10,000 Compare
48 Mo CD
0.26% $100,000 Compare
60 Mo CD
0.38% $10,000 Compare
60 Mo CD
0.38% $100,000 Compare

Overview 2024

General Bank Information

FDIC Insured Yes
FDIC Certificate # 9437
Date Established 1934
Assets $ 1,067.77 million
Loans $ 476.88 million
Deposits $ 988.02 million
Capital $ 72.14 million

Summary Balance Sheet as of March 31, 2024

ASSETS
Cash & Balances due from depository institutions $ 121.16 million
Interest-bearing balances $ 108.68 million
Total securities $ 414.66 million
Federal funds sold and reverse repurchase $ 4.47 million
Net loans and leases $ 476.88 million
Loan loss allowance $ 5.50 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.00 million
Goodwill and other intangibles $ 1.91 million
All other assets $ 28.32 million
     Total Assets $ 995.64 million

LIABILITIES
Total deposits $ 988.02 million
      Interest-bearing deposits $ 849.63 million
      Deposits held in domestic offices $ 988.02 million
      % insured (estimated) 78.73%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 0.18 million
Subordinated debt N.A.
All other liabilities $ 2.93 millionn
      Total Liabilities $ 995.64 million
      Shareholders’ Equity $ 72.14 million

Summary Income Statement as of March 31, 2024

INCOME AND EXPENSES
Total Interest Income $ 25.54 million
Total Interest Expense $ 11.33 million
Net interest income $ 14.21 million
Provision for loan and lease losses $ 0.19 million
Total non interest income $ 3.08 million
Total non interest expense $ 11.50 million
Pre-tax Net Operating Income $ 5.21 million

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Branches

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First State Bank Locations