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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Irvington, KY · FDIC certificate #12149
FIRST STATE BANK is an FDIC-insured institution based in Irvington, KY (FDIC certificate #12149). In its Q3 2026 Call Report it reported total assets of $383M, total deposits of $336M and net loans of $297M. Its primary federal regulator is FDIC.
Plain-language readout
FIRST STATE BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $414M in Q1 2026 and were lowest at $383M in Q3 2026.
Total deposits were highest at $366M in Q1 2026 and lowest at $336M in Q3 2026.
Over the whole period total assets fell 7.7%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $383M | $336M | $297M | 1.64% | 15.93% | 4.15% |
| Q2 2026 | $402M | $354M | $288M | 1.72% | 16.92% | 4.08% |
| Q1 2026 | $414M | $366M | $287M | 1.77% | 17.50% | 4.09% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $37.3M | $62.8M | -$25.5M | -40.5% |
| Federal funds sold | $2.0M | $0K | +$2.0M | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $58.0M | $48.3M | +$9.7M | +20.1% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $287.7M | $286.6M | +$1.1M | +0.4% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $1.6M | $1.6M | -$55K | -3.3% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $15.4M | $15.2M | +$184K | +1.2% |
| Total assets | $402.0M | $414.5M | -$12.5M | -3.0% |
| Liabilities | ||||
| Total deposits | $354.3M | $365.5M | -$11.3M | -3.1% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $2.3M | $2.4M | -$46K | -2.0% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $4.0M | $6.6M | -$2.6M | -39.5% |
| Total liabilities | $360.6M | $374.6M | -$14.0M | -3.7% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $1.0M | $1.0M | $0K | 0.0% |
| Surplus | $4.0M | $4.0M | $0K | 0.0% |
| Retained earnings | $41.7M | $40.5M | +$1.2M | +2.9% |
| Accumulated other comprehensive income | -$5.3M | -$5.6M | +$274K | +4.9% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $41.4M | $39.9M | +$1.5M | +3.7% |
| Credit and capital | ||||
| Gross nonperforming assets | $3.8M | $287K | +$3.6M | +1238.0% |
| Adjusted nonperforming assets | $3.8M | $287K | +$3.6M | +1238.0% |
| Tangible equity plus allowance | $42.1M | $40.6M | +$1.5M | +3.6% |
| Texas ratio (gross) | 9.12% | 0.71% | +8.41 pts | See points |
| Texas ratio (adjusted) | 9.12% | 0.71% | +8.41 pts | See points |
| Texas ratio (adjusted, with performing restructured) | Not reported | 8.28% | Not reported | See points |
| Tier 1 capital to risk-weighted assets | 16.50% | 16.22% | +0.28 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 16.50% | 16.22% | +0.28 pts | See points |
| Tier 2 capital to risk-weighted assets | 0.26% | 0.26% | +0.00 pts | See points |
| Total risk-based capital to risk-weighted assets | 16.76% | 16.48% | +0.28 pts | See points |
| Tier 1 leverage (approximate) | 11.23% | 11.89% | -0.66 pts | See points |
| Construction and land loans to total capital | 95.49% | 104.18% | -8.69 pts | See points |
| Commercial real estate to total capital | 181.16% | 184.45% | -3.29 pts | See points |
| Dividend payout, year to date | 25.07% | 21.74% | +3.33 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -15.37% | -16.59% | +1.22 pts | See points |
| Liquidity | ||||
| Core deposits | $310.3M | $317.8M | -$7.6M | -2.4% |
| Non-core funding | $46.3M | $50.1M | -$3.8M | -7.5% |
| Loans to core deposits | 92.96% | 90.39% | +2.57 pts | See points |
| Loans to deposits | 81.42% | 78.59% | +2.83 pts | See points |
| Brokered deposits share of deposits | 7.69% | 7.83% | -0.14 pts | See points |
| Pledged securities share of securities | 27.04% | 49.21% | -22.17 pts | See points |
| Loans pledged, share of loans | 35.47% | 35.28% | +0.20 pts | See points |
| Volatile liabilities | $46.3M | $50.1M | -$3.8M | -7.5% |
| Earnings | ||||
| Earnings before provision, year to date | $4.5M | $2.3M | +$2.2M | +95.1% |
| Earnings before provision, single quarter | $2.2M | $2.3M | -$114K | -4.9% |
| Provision for credit losses, year to date | $76K | $55K | +$21K | +38.2% |
| Yield and cost | ||||
| Yield on loans and leases | 6.67% | 6.89% | -0.22 pts | See points |
| Yield on interest-bearing balances due from banks | 4.14% | 1.57% | +2.57 pts | See points |
| Total interest income to average assets | 5.39% | 5.55% | -0.16 pts | See points |
| Cost of interest-bearing transaction accounts | 2.73% | 2.15% | +0.58 pts | See points |
| Cost of savings and money market deposits | 0.65% | 0.73% | -0.08 pts | See points |
| Cost of time deposits | 3.58% | 3.71% | -0.13 pts | See points |
| Total interest expense to average assets | 1.70% | 1.60% | +0.10 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $383M | $336M | $297M | 1.64% | 15.93% | 4.15% |
| 2026-06-30 | $402M | $354M | $288M | 1.72% | 16.92% | 4.08% |
| 2026-03-31 | $414M | $366M | $287M | 1.77% | 17.50% | 4.09% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| KY | $298M | 0.25% | 72 | Continuing · +0.01 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.