First State Bank (FDIC #9437): Bank Stress & Real-Estate Credit Exposure

First State Bank (FDIC Cert #9437): bank stress 73/100, elevated, STABLE over 7 days; parent FIRST STATE BCORP INC.

First State Bank (#9437) lends in 9 counties across 2 states; First State Bank (#9437) reaches 92 ZIP codes: Ohio 6 counties, 69 ZIPs; Kentucky 3 counties, 23 ZIPs.

First State Bank (#9437) largest markets: Scioto County, OH (22 branches, 22 ZIPs) (#9437), Brown County, OH (80 branches, 20 ZIPs) (#9437), Highland County, OH (15 branches, 15 ZIPs) (#9437), Adams County, OH (65 branches, 13 ZIPs) (#9437), Clinton County, OH (13 branches, 13 ZIPs) (#9437), Fayette County, OH (11 branches, 11 ZIPs) (#9437).

First State Bank (#9437) reports $1.24 billion in total assets; First State Bank (#9437) equity $108.5 million (8.7% of First State Bank (#9437) assets); First State Bank (#9437) domestic deposits $1.10 billion; First State Bank (#9437) net income $6.6 million; First State Bank (#9437) return on assets 1.10%; First State Bank (#9437) return on equity 12.68%; First State Bank (#9437) net interest income $18.3 million; First State Bank (#9437) call report June 30, 2026.

First State Bank (#9437) noncurrent real-estate loans: none reported; First State Bank (#9437) net charge-offs on real estate 0.85%; First State Bank (#9437) residential charge-offs 0.20%.

First State Bank (#9437) net interest margin 3.27% against an eight-quarter First State Bank (#9437) average of 3.29% (First State Bank (#9437) compression 0.02 points); First State Bank (#9437) non-residential real estate 20.1% of equity; First State Bank (#9437) rate-exposure score 40/100, First State Bank (#9437) fixed-rate trap 40/100; First State Bank (#9437) risk type credit driven; First State Bank (#9437) rate regime rates elevated, First State Bank (#9437) snapshot October 19, 2026.

First State Bank (#9437) stress score moved from 71.1 on June 22, 2026 to 72.9 on October 20, 2026; First State Bank (#9437) ranged 71.1 to 72.9 over 117 snapshots.

First State Bank (#9437) alerts: 9 counties; top First State Bank (#9437) alert scores: Hillsboro County, OH 25 (low); Louisa County, OH 25 (low); Maysville County, OH 25 (low); Portsmouth County, OH 25 (low); Ripley County, OH 25 (low).