1st State Bank (FDIC #57626): Bank Stress & Real-Estate Credit Exposure
1st State Bank (FDIC Cert #57626): bank stress 57/100, moderate, STABLE over 7 days; parent 1ST STATE FINANCIAL LTD.
1st State Bank (#57626) lends in 3 counties across 1 state; 1st State Bank (#57626) reaches 51 ZIP codes: Michigan 3 counties, 51 ZIPs.
1st State Bank (#57626) largest markets: Saginaw County, MI (56 branches, 28 ZIPs) (#57626), Bay County, MI (34 branches, 17 ZIPs) (#57626), Midland County, MI (16 branches, 16 ZIPs) (#57626).
1st State Bank (#57626) reports $490.1 million in total assets; 1st State Bank (#57626) equity $58.7 million (12.0% of 1st State Bank (#57626) assets); 1st State Bank (#57626) domestic deposits $428.8 million; 1st State Bank (#57626) net income $3.3 million; 1st State Bank (#57626) return on assets 1.35%; 1st State Bank (#57626) return on equity 11.39%; 1st State Bank (#57626) net interest income $9.6 million; 1st State Bank (#57626) call report June 30, 2026.
1st State Bank (#57626) noncurrent real-estate loans 0.32% of its book; 1st State Bank (#57626) residential 0.14%; 1st State Bank (#57626) net charge-offs on real estate 0.20%; 1st State Bank (#57626) residential charge-offs 0.06%.
1st State Bank (#57626) net interest margin 4.32% against an eight-quarter 1st State Bank (#57626) average of 4.22% (1st State Bank (#57626) compression -0.10 points); 1st State Bank (#57626) real-estate loans 31.8% of equity; 1st State Bank (#57626) non-residential real estate 5.8% of equity; 1st State Bank (#57626) rate-exposure score 40/100, 1st State Bank (#57626) fixed-rate trap 40/100; 1st State Bank (#57626) risk type credit driven; 1st State Bank (#57626) rate regime rates elevated, 1st State Bank (#57626) snapshot October 19, 2026.
1st State Bank (#57626) stress score moved from 55.3 on June 22, 2026 to 56.6 on October 20, 2026; 1st State Bank (#57626) ranged 55.3 to 56.6 over 117 snapshots.
1st State Bank (#57626) alerts: 3 counties; top 1st State Bank (#57626) alert scores: Midland County, MI 43 (moderate); Saginaw County, MI 41 (moderate); Bay City County, MI 22 (low).