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First State Bank

$1B-$10B Specialty: Commercial MI FDIC cert 15032

Designations: ✓ Community bank

Eastpointe, MI

11 branches across MI

884 banks in the $1B-$10B peer group nationally 18 in MI
View $1B-$10B leaderboard (MI) →

First State Bank has 1 strength but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Delinquency Rate 0.07% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 7.2% in tier
  • - ROA 0.16% below tier average
  • - Net Interest Margin 0.18% below tier average
  • - Efficiency Ratio 2.07% above tier average
Get updates when First State Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
Total Assets ? $1.3B
+1.8% YoY +2.4% QoQ
-$1.5B $2.8B
-0.1% YoY
$993.6M
+8.4% YoY
$6.2B
+9.1% YoY
26%
Total Loans ? $1.0B
+23.4% YoY +1.0% QoQ
-$956.8M $2.0B
+0.6% YoY
$752.3M
+12.4% YoY
$3.2B
+10.8% YoY
31%
Total Deposits ? $1.2B
+0.9% YoY +2.4% QoQ
-$1.1B $2.3B
-0.3% YoY
$797.0M
+7.4% YoY
$4.8B
+8.2% YoY
32%
Return on Assets ? 1.20%
+13.1% YoY +3.7% QoQ
-0.16% 1.37%
+19.6% YoY
1.15%
+25.2% YoY
1.23%
+13.4% YoY
48%
Net Interest Margin ? 3.63%
+10.2% YoY +1.8% QoQ
-0.18% 3.82%
+6.9% YoY
3.99%
+5.8% YoY
3.89%
+5.7% YoY
50%
Efficiency Ratio ? 63.13%
-4.3% YoY -3.4% QoQ
+2.07% 61.06%
-4.6% YoY
66.95%
-6.2% YoY
66.95%
-4.1% YoY
40%
Delinquency Rate ? 0.82%
+106.4% YoY -1.0% QoQ
-0.07% 0.89%
+14.1% YoY
0.77%
+21.7% YoY
0.95%
+18.8% YoY
34%
Loan-to-Deposit Ratio ? 82.87%
+22.4% YoY -1.3% QoQ
-1.33% 84.20%
+0.3% YoY
78.66%
+4.9% YoY
76.70%
+0.9% YoY
60%
Non-Interest-Bearing Deposit Share ? 15.30%
-2.1% YoY +1.6% QoQ
-5.99% 21.29%
-2.5% YoY
24.69%
-2.1% YoY
22.01%
-1.2% YoY
29%
Nonperforming Asset Ratio ? 0.61%
+111.9% YoY -2.4% QoQ
-0.06% 0.67%
+15.6% YoY
0.58%
+27.6% YoY
0.67%
+19.3% YoY
36%
Tier 1 Capital Ratio ? 9.77%
+5.5% YoY +2.3% QoQ
-5.39% 15.16%
+2.0% YoY
20.91%
+0.5% YoY
17.06%
+0.8% YoY
Bottom 3.1% in tier
Non-Interest Income / Assets ? 0.20%
+3.4% YoY -75.3% QoQ
-0.06% 0.26%
+1.6% YoY
0.19%
+5.8% YoY
0.32%
+4.1% YoY
72%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Capital Thin

risk
#17 of 221 • Bottom 7.2% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 9.77%
(Tier: 15.16%, National: 17.06%)
worse than tier avg
221 of 221 Mid-Market banks match · 926 nationally
→ Stable +3 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 884 peers in $1B-$10B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (1 metrics)

858
Tier 1 Capital Ratio
capital
Value: 9.77%
Peer Median: 15.16%
#858 of 884 Bottom 3.1% in $1B-$10B
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