First State Bank (OH)

Overview / Commentary
19230 State Route 136
Winchester, OH 45697

First State Bank (OH) is headquartered in WINCHESTER and is the 38th largest bank in the state of Ohio. It is also the 1,060th largest bank in the nation. It was established in 1934 and as of March of 2023, it had grown to 164 employees at 18 locations. First State Bank (OH) has a B+ health rating.

Reviews (1)

My experiences with First State Bank

I am a customer of First State Bank. When my account moved from my old bank to theirs, they explained the types of accounts they offered and how each one might benefit me. Everything was explained to me clearly. They helped me find an account that even earns more interest than my previous one. They also helped me set up internet banking so I could manage my checking account from home. Whenever I have questions, they are quick to answer, or if the teller cannot immediately help me, the teller arranges for the manager to contact me. They also verified my online accounts such as Paypal, Walmart, etc., very quickly. I am very pleased with their service and hope to bank with them for years to come.


Health Grade Components

FDIC Certificate #9437
Year Established1934
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.06%
Return on Equity - YTD17.2%
Annual Interest Income$9.1MM
Assets and Liabilities
AssetsQ1 2023vs Q1 2022$927.0MM$835.9MM
LoansQ1 2023vs Q1 2022$433.0MM$392.5MM
DepositsQ1 2023vs Q1 2022$845.4MM$765.0MM
Equity CapitalQ1 2023vs Q1 2022$57.8MM$68.7MM
Loan Loss AllowanceQ1 2023vs Q1 2022$5.4MM$4.9MM
Unbacked Noncurrent LoansQ1 2023vs Q1 2022$2.1MM$2.6MM
Real Estate OwnedQ1 2023vs Q1 2022$0$153.00K
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First State Bank (OH) Savings Account Rates

2.00%*-$50kKasasa Saver
OTHER TIERS: 0.50% $50k+

First State Bank (OH) Checking Account Rates

4.00%-$15kKasasa Cash


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