TellerScore

First State Bank (FDIC certificate #15032) is based in Eastpointe, Michigan. Its Q2 2026 call report shows $1.3B in total assets and $1.2B in deposits and 11 offices.

First State Bank has a TellerScore of 63 out of 100 (moderate) based on Q2 2026 data — higher than only 30% of its 897 banks with $1 billion – $10 billion. Among 72 banks headquartered in Michigan, it ranks 44th. Problem-loan coverage contributes the most (88/100, 6.2%); funding & liquidity contributes the least (50/100, 86% loans-to-deposits, 37% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion50/100
Tier 1 leverage ratio: 10.01%
Loan quality73/100
Noncurrent loans ÷ total loans: 0.81%
Earnings69/100
Return on assets (annualized): 1.24%
Funding & liquidity50/100
Loans ÷ deposits and uninsured-deposit share: 85.8% · 36.8% uninsured
Problem-loan coverage88/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 6.20%

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 3 points (66 → 63), mostly because the loan quality component weakened by 12 points.

TellerScore
616568Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202467
Q3 202468
Q4 202466
Q1 202567
Q2 202566
Q3 202564
Q4 202561
Q1 202663
Q2 202663
Tier 1 leverage ratio
5.00%7.50%10.01%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.91%
Q3 20249.21%
Q4 20249.13%
Q1 20259.26%
Q2 20259.50%
Q3 20259.47%
Q4 20259.55%
Q1 20269.77%
Q2 202610.01%
Noncurrent loans
0.17%0.49%0.81%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.17%
Q3 20240.19%
Q4 20240.33%
Q1 20250.39%
Q2 20250.45%
Q3 20250.58%
Q4 20250.81%
Q1 20260.81%
Q2 20260.81%
Return on assets
1.06%1.15%1.24%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.08%
Q3 20241.15%
Q4 20241.10%
Q1 20251.06%
Q2 20251.07%
Q3 20251.15%
Q4 20251.16%
Q1 20261.20%
Q2 20261.24%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202663$1.3B10.01%0.81%1.24%85.8%
Q1 202663$1.3B9.77%0.81%1.20%82.9%
Q4 202561$1.3B9.55%0.81%1.16%84.0%
Q3 202564$1.3B9.47%0.58%1.15%79.8%
Q2 202566$1.3B9.50%0.45%1.07%76.8%
Q1 202567$1.3B9.26%0.39%1.06%67.7%
Q4 202466$1.2B9.13%0.33%1.10%73.4%
Q3 202468$1.3B9.21%0.19%1.15%75.1%
Q2 202467$1.2B8.91%0.17%1.08%75.6%

897 peers · $1 billion – $10 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).

Capital ratio10.01%
37th
Total risk-based capital0.00%
13th
Problem loans0.81%
34th
Net charge-offs0.13%
26th
Return on assets1.24%
48th
Net interest margin3.71%
50th
Efficiency ratio62.8%
38th
Loans to deposits85.8%
53rd
Uninsured deposits36.8%
35th
Loan-loss reserves1.29%
68th
Texas ratio6.2%
31st

Similar-size banks in Michigan

InstitutionScoreAssetsCapitalProblem loansCompare
County National BankBank Hillsdale, MI41 out of 100, Below average$1.4B9.3%2.62%vs
University BankBank Ann Arbor, MI60 out of 100, Moderate$1.2B10.1%0.41%vs
The Dart BankBank Mason, MI46 out of 100, Below average$1.5B8.6%1.75%vs
West Michigan Community BankBank Hudsonville, MI53 out of 100, Below average$1.2B9.2%1.40%vs
Northstar BankBank Bad Axe, MI59 out of 100, Moderate$1.2B9.1%0.80%vs
United Bank of MichiganBank Grand Rapids, MI74 out of 100, Strong$1.1B10.6%0.06%vs

Deposit insurance

Is my money safe at First State Bank?

Yes. First State Bank is an FDIC-insured institution (FDIC certificate #15032). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 36.8% of deposits ($447.4M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.01%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

11 locations

Branches

First State Bank lists 11 offices in 9 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, First State Bank reported 1,183 home-loan applications under HMDA (LEI 549300VIZR4H7AB15496): 1,028 originated ($277,530,000 total), 50 denied, and 93 withdrawn or closed by the applicant. Its denial rate on decided applications was 4.6%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
First State Bank
Former names
First State Bank of East Detroit
Type
State-chartered bank (Fed member)
FDIC certificate #
15032
RSSD ID
113740
Primary regulator
FED
Holding company
First State Financial Corp
Established
January 1, 1917
Headquarters
16100 E 9 Mile Rd, Eastpointe, MI 48021
Employees
184

Quick answers

First State Bank: common questions

Is First State Bank FDIC insured?

Yes. First State Bank is an FDIC-insured institution (FDIC certificate #15032). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First State Bank's TellerScore?

63 out of 100 (Moderate), 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 #15032 in the FDIC failed bank list.

How many branches does First State Bank have?

11 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Eastpointe

InstitutionScoreAssetsCapitalProblem loansCompare
Total Community Credit UnionCredit union Taylor, MI97 out of 100, Very strong$111.3M15.3%0.36%vs
JPMorgan Chase Bank, DearbornBank Dearborn, MI94 out of 100, Very strong$71.5M99.6%0.00%vs
I.M. Detroit District Credit UnionCredit union Detroit, MI93 out of 100, Very strong$1.9M28.1%0.00%vs
The Local Credit UnionCredit union Sterling Height, MI92 out of 100, Very strong$106.6M16.1%0.26%vs
Electrical Workers Local 58 Credit UnionCredit union Detroit, MI90 out of 100, Very strong$21.4M12.2%0.09%vs
Jessop Community Federal Credit UnionCredit union Washington, PA87 out of 100, Very strong$34.1M13.8%0.38%vs