TellerScore

Headquartered in Winchester, Ohio, First State Bank is a state-chartered bank with $1.2B in total assets and $1.1B in deposits as of Q2 2026. It operates 18 offices across 2 states. Its charter dates back to 1934.

First State Bank has a TellerScore of 70 out of 100 (strong) based on Q2 2026 data — higher than 58% of its 897 banks with $1 billion – $10 billion. Among 157 banks headquartered in Ohio, it ranks 77th. Problem-loan coverage contributes the most (91/100, 4.3%); capital cushion contributes the least (55/100, 10.47%).

TellerScore · Q2 2026

Scorecard

Capital cushion55/100
Tier 1 leverage ratio: 10.47%
Loan quality71/100
Noncurrent loans ÷ total loans: 0.86%
Earnings64/100
Return on assets (annualized): 1.10%
Funding & liquidity89/100
Loans ÷ deposits and uninsured-deposit share: 51.5% · 25.0% uninsured
Problem-loan coverage91/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 4.29%

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 rose 3 points (67 → 70), mostly because the capital cushion component improved by 19 points.

TellerScore
677174Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202469
Q3 202471
Q4 202472
Q1 202571
Q2 202567
Q3 202567
Q4 202574
Q1 202674
Q2 202670
Tier 1 leverage ratio
5.00%7.85%10.69%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.25%
Q3 20249.42%
Q4 20249.71%
Q1 20259.90%
Q2 20258.64%
Q3 20258.62%
Q4 202510.69%
Q1 202610.63%
Q2 202610.47%
Noncurrent loans
0.31%0.59%0.86%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.39%
Q3 20240.35%
Q4 20240.31%
Q1 20250.39%
Q2 20250.44%
Q3 20250.49%
Q4 20250.44%
Q1 20260.44%
Q2 20260.86%
Return on assets
0.92%1.03%1.15%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.92%
Q3 20241.06%
Q4 20241.00%
Q1 20251.09%
Q2 20251.07%
Q3 20251.06%
Q4 20251.04%
Q1 20261.15%
Q2 20261.10%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202670$1.2B10.47%0.86%1.10%51.5%
Q1 202674$1.2B10.63%0.44%1.15%52.2%
Q4 202574$1.2B10.69%0.44%1.04%53.5%
Q3 202567$1.1B8.62%0.49%1.06%53.1%
Q2 202567$1.1B8.64%0.44%1.07%50.9%
Q1 202571$1.1B9.90%0.39%1.09%54.1%
Q4 202472$1.0B9.71%0.31%1.00%53.9%
Q3 202471$1.1B9.42%0.35%1.06%51.4%
Q2 202469$1.1B9.25%0.39%0.92%48.3%

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 ratio10.47%
49th
Total risk-based capital18.48%
88th
Problem loans0.86%
31st
Net charge-offs0.03%
54th
Return on assets1.10%
38th
Net interest margin3.27%
25th
Efficiency ratio61.4%
43rd
Loans to deposits51.5%
95th
Uninsured deposits25.0%
70th
Loan-loss reserves1.43%
82nd
Texas ratio4.3%
43rd

Similar-size banks in Ohio

InstitutionScoreAssetsCapitalProblem loansCompare
The Merchants National BankBank Hillsboro, OH64 out of 100, Moderate$1.3B8.9%0.53%vs
Consumers National BankBank Minerva, OH65 out of 100, Moderate$1.3B8.4%0.07%vs
The Commercial and Savings Bank of Millersburg, OhioBank Millersburg, OH69 out of 100, Moderate$1.3B10.2%0.84%vs
The Richwood Banking CompanyBank Richwood, OH64 out of 100, Moderate$1.3B10.8%1.28%vs
Signature Bank, National AssociationBank Toledo, OH69 out of 100, Moderate$1.3B12.4%0.84%vs
The North Side Bank and Trust CompanyBank Cincinnati, OH74 out of 100, Strong$1.2B11.2%0.10%vs

Deposit insurance

Is my money safe at First State Bank?

Yes. First State Bank is an FDIC-insured institution (FDIC certificate #9437). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 25.0% of deposits ($274.6M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.47%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 18.48% (benchmark: 10%).

Check how much of your own balance is covered

18 locations

Branches

First State Bank lists 17 offices in 17 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
First State Bank
Former names
The First State Bank of Adams County; The Winchester Bank Company
Type
State-chartered bank
FDIC certificate #
9437
RSSD ID
294023
Primary regulator
FDIC
Holding company
First State Bcorp Inc
Established
January 1, 1934
Headquarters
19230 State Route 136, Winchester, OH 45697
Employees
189

Quick answers

First State Bank: common questions

Is First State Bank FDIC insured?

Yes. First State Bank is an FDIC-insured institution (FDIC certificate #9437). 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 #9437 in the FDIC failed bank list.

How many branches does First State Bank have?

18 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Winchester

InstitutionScoreAssetsCapitalProblem loansCompare
Superior Credit Union, IncCredit union Lima, OH94 out of 100, Very strong$2.0B15.2%0.20%vs
Bank of MaysvilleBank Maysville, KY93 out of 100, Very strong$164.0M16.9%0.12%vs
Security Bank and Trust Co.Bank Maysville, KY83 out of 100, Strong$71.8M15.7%1.86%vs
The Wilmington Savings BankBank Wilmington, OH72 out of 100, Strong$267.3M14.6%0.82%vs
Southern Hills Community BankBank Leesburg, OH71 out of 100, Strong$209.6M13.8%1.58%vs
The National Bank of Adams County of West UnionBank West Union, OH68 out of 100, Moderate$114.7M10.8%2.10%vs