First State Bank (FDIC certificate #12149) is based in Irvington, Kentucky. Its Q2 2026 call report shows $402.0M in total assets and $354.3M in deposits and 3 offices.
First State Bank has a TellerScore of 70 out of 100 (strong) based on Q2 2026 data — higher than only 43% of its 2,650 banks with $100 million – $1 billion. Among 120 banks headquartered in Kentucky, it ranks 71st. Earnings contributes the most (89/100, 1.72%); loan quality contributes the least (56/100, 1.33%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 13 points (83 → 70), mostly because the loan quality component weakened by 41 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 79 |
| Q3 2024 | 78 |
| Q4 2024 | 81 |
| Q1 2025 | 82 |
| Q2 2025 | 83 |
| Q3 2025 | 85 |
| Q4 2025 | 83 |
| Q1 2026 | 85 |
| Q2 2026 | 70 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.48% |
| Q3 2024 | 11.55% |
| Q4 2024 | 11.51% |
| Q1 2025 | 11.44% |
| Q2 2025 | 11.61% |
| Q3 2025 | 11.99% |
| Q4 2025 | 11.99% |
| Q1 2026 | 11.89% |
| Q2 2026 | 11.23% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.15% |
| Q3 2024 | 0.19% |
| Q4 2024 | 0.13% |
| Q1 2025 | 0.08% |
| Q2 2025 | 0.10% |
| Q3 2025 | 0.06% |
| Q4 2025 | 0.23% |
| Q1 2026 | 0.10% |
| Q2 2026 | 1.33% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.34% |
| Q3 2024 | 1.43% |
| Q4 2024 | 1.61% |
| Q1 2025 | 1.82% |
| Q2 2025 | 1.89% |
| Q3 2025 | 1.96% |
| Q4 2025 | 1.91% |
| Q1 2026 | 1.77% |
| Q2 2026 | 1.72% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 70 | $402.0M | 11.23% | 1.33% | 1.72% | 81.2% |
| Q1 2026 | 85 | $414.5M | 11.89% | 0.10% | 1.77% | 78.4% |
| Q4 2025 | 83 | $366.6M | 11.99% | 0.23% | 1.91% | 90.2% |
| Q3 2025 | 85 | $352.2M | 11.99% | 0.06% | 1.96% | 90.8% |
| Q2 2025 | 83 | $349.5M | 11.61% | 0.10% | 1.89% | 91.0% |
| Q1 2025 | 82 | $345.5M | 11.44% | 0.08% | 1.82% | 90.8% |
| Q4 2024 | 81 | $334.3M | 11.51% | 0.13% | 1.61% | 89.2% |
| Q3 2024 | 78 | $324.0M | 11.55% | 0.19% | 1.43% | 91.5% |
| Q2 2024 | 79 | $319.1M | 11.48% | 0.15% | 1.34% | 84.5% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Kentucky
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Bank of the Bluegrass and Trust CompanyBank Lexington, KY | 75 out of 100, Strong | $407.0M | 10.8% | 0.03% | vs |
| Bank of Lexington, Inc.Bank Lexington, KY | 74 out of 100, Strong | $410.8M | 11.5% | 0.01% | vs |
| Cumberland Security Bank, Inc.Bank Somerset, KY | 87 out of 100, Very strong | $420.1M | 14.1% | 0.16% | vs |
| Citizens Bank & Trust CompanyBank Campbellsville, KY | 79 out of 100, Strong | $383.4M | 13.1% | 0.57% | vs |
| The First National Bank of GraysonBank Grayson, KY | 79 out of 100, Strong | $371.9M | 13.0% | 0.96% | vs |
| Town & Country Bank and Trust CompanyBank Bardstown, KY | 82 out of 100, Strong | $433.7M | 12.7% | 0.42% | vs |
Deposit insurance
Is my money safe at First State Bank?
Yes. First State Bank is an FDIC-insured institution (FDIC certificate #12149). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 14.3% of deposits ($50.8M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.23%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 16.76% (benchmark: 10%).
3 locations
Branches
First State Bank lists 3 offices in 3 cities. Most locations:
- Hardinsburg, KY (1)
- Irvington, KY (1)
- Mcdaniels, KY (1)
Identity & history
Profile
- Legal name
- First State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 12149
- RSSD ID
- 565143
- Primary regulator
- FDIC
- Holding company
- First Breckinridge Bancshares
- Established
- January 1, 1903
- Headquarters
- 240 N 1st St, Irvington, KY 40146
- Website
- www.firststatebankky.com
- Employees
- 90
Quick answers
First State Bank: common questions
Is First State Bank FDIC insured?
Yes. First State Bank is an FDIC-insured institution (FDIC certificate #12149). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is First State Bank's TellerScore?
70 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has First State Bank ever failed?
There is no failure record for FDIC certificate #12149 in the FDIC failed bank list.
How many branches does First State Bank have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Irvington
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Armed Forces Bank, National AssociationBank Fort Leavenworth, KS | 83 out of 100, Strong | $1.4B | 13.9% | 1.21% | vs |
| Abound Federal Credit UnionCredit union Radcliff, KY | 81 out of 100, Strong | $2.8B | 15.8% | 0.81% | vs |
| The Cecilian BankBank Cecilia, KY | 77 out of 100, Strong | $1.6B | 11.0% | 0.40% | vs |
| Wilson & Muir Bank & Trust CompanyBank Bardstown, KY | 76 out of 100, Strong | $818.4M | 9.4% | 0.27% | vs |
| German American BankBank Jasper, IN | 75 out of 100, Strong | $8.4B | 11.2% | 0.45% | vs |
| Labor Management Federal Credit UnionCredit union Lewisport, KY | 70 out of 100, Strong | $28.4M | 14.8% | 1.88% | vs |