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Overview / Commentary
1810 Cumberland Avenue
Middlesboro, KY 40965

First State Financial, Inc. is headquartered in Middlesboro and is the 43rd largest bank in the state of Kentucky. It is also the 2,015th largest bank in the nation. It was established in 1904 and as of June of 2016, it had grown to 104 employees at 11 locations. First State Financial, Inc. has a C+ health rating.

Reviews (1)

Small Town living

Posted by: NickiV | Jan 5, 2015

I have to start off by saying i was not a fan of this bank until a new bank manager took over and really wanted to provide great customer service. When i first started I hated going to make my deposits at this bank. I would rather have gone to the doctors than the bank . My first time experience was great . One week later when i walked in with my check to make a deposit i was greeted with " What do you want " and " make it quick i'm busy " from the teller. I stuck with the First State mainly because i was too busy to set up a new account else where . After the new manger came in , the bank changed. Now the Bank is nice and warm to all customers so my biggest issue is now a great experience the bank offers. I love the online banking its made so easy and i can text and get my Balance and get a report of whats going in and out of my account. The savings has a nice rate ,but the fees are a bit steep ,but i have never over drawn. As far as my needs go the banks offers online , mobile , checking & savings . First State offers all the products i would want . Over all i have to say i love this bank , i do use an account with a National bank but i love my First State , I actually still use the bank and I no longer live in the same city as the bank but i still use it for its wonderful service.


Health Grade Components

FDIC Certificate #2710
Year Established1904
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.96%
Return on Equity - YTD11.02%
Annual Interest Income$7.5MM
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$332.9MM$341.5MM
LoansQ2 2016vs Q2 2015$259.0MM$257.9MM
DepositsQ2 2016vs Q2 2015$293.7MM$300.8MM
Equity CapitalQ2 2016vs Q2 2015$30.0MM$33.3MM
Loan Loss AllowanceQ2 2016vs Q2 2015$2.8MM$2.6MM
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$1.0MM$2.2MM
Real Estate OwnedQ2 2016vs Q2 2015$11.7MM$17.5MM

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First State Financial, Inc. Locations
First State Financial, Inc.1810 Cumberland AvenueMiddlesboro, KY 40965
Waterpark Branch Office1048 West Highway 92Williamsburg, KY 40769
East End Branch200 North 12th StreetMiddlesboro, KY 40965
22nd and Cumberland Avenue Branch2202 Cumberland AvenueMiddlesboro, KY 40965
Harrodsburg Road Branch2257 Harrodsburg RoadLexington, KY 40504
First State Branch3620 Walden DriveLexington, KY 40517
Williamsburg Branch941 Us 25wWilliamsburg, KY 40769
Harlan Road BranchU.S. Highway 119Pineville, KY 40977
New Tazewell Tn Branch925 Main StreetNew Tazewell, TN 37825
Jellico Branch996 Fifth StreetJellico, TN 37762