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 1st State Bank
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1st State Bank
| RSSD ID 3223305 | CERTIFICATE 57626 | ABA NUMBER 72414158 |
| 4800 Fashion Square Blvd |
Quarter Ended : |
2026-06-30 |
| Saginaw, Michigan, 48604 |
Updated : |
2026-07-29 |
| www.1ststate.bank |
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| Institution Profile |
| Year Opened : |
2004 |
Institution Type : |
Commercial bank |
| Entity Type : |
State |
Federal Regulator : |
FDIC |
| Member Federal Reserve : |
No |
S-Corp : |
No |
| Fiduciary Powers : |
No |
Powers Exercised : |
No |
| Filing Type : |
051 |
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| Specialization : |
Commercial Lending Specialization |
| Number of Offices : |
5 |
Number of Employees : |
75 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 490,075 |
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Total Interest Income | 12,834 |
| Total Liabilities | 431,373 |
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Total NonInterest Income | 897 |
| Total Bank Equity Capital | 58,702 |
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Total Interest Expense | 3,209 |
| Total Deposits | 428,759 |
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Total NonInterest Expense | 6,411 |
| Net Loans & Leases | 317,048 |
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Net Income | 3,272 |
| Loan Loss Allowance | 5,171 |
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Net Charge Offs | 359 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Total capital | 64,822 |
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Total loans | 320,967 |
| Total assets for the leverage ratio | 487,479 |
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Loans secured by real estate: | 201,382 |
| Tier 1 Leverage Ratio | 12.27 |
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Commercial and industrial loans | 119,066 |
| Tier 1 Capital Ratio | 14.97 |
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Loans to individuals - Credit Cards | 0 |
| Total Capital Ratio | 16.22 |
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Loans to individuals - Other | 314 |
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:· 1st State Bank
