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Overview / Commentary
1810 Cumberland Avenue
Middlesboro, KY 40965

First State Bank of the Southeast is headquartered in Middlesboro and is the 41st largest bank in the state of Kentucky. It is also the 1,988th largest bank in the nation. It was established in 1904 and as of March of 2018, it had grown to 100 employees at 10 locations. First State Bank of the Southeast 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 - YTD0.91%
Return on Equity - YTD9.82%
Annual Interest Income$3.7MM
Assets and Liabilities
AssetsQ1 2018vs Q1 2017$337.3MM$328.4MM
LoansQ1 2018vs Q1 2017$264.5MM$250.8MM
DepositsQ1 2018vs Q1 2017$300.0MM$294.2MM
Equity CapitalQ1 2018vs Q1 2017$30.9MM$30.2MM
Loan Loss AllowanceQ1 2018vs Q1 2017$2.7MM$2.7MM
Unbacked Noncurrent LoansQ1 2018vs Q1 2017$900.00K$570.00K
Real Estate OwnedQ1 2018vs Q1 2017$9.4MM$10.5MM

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