First State Bank (WV)

Overview / Commentary
660 Central Avenue
Barboursville, WV 25504

First State Bank (WV) is headquartered in Barboursville and is the 31st largest bank in the state of West Virginia. It is also the 3,265th largest bank in the nation. It was established in 1905 and as of September of 2019, it had grown to 61 employees at 4 locations. First State Bank (WV)'s CD rates are 63% higher than the national average, but it has a F health rating.

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37-Month CD, 3.18% APY - 7/31/2019

Great rate, but not so great Health rate with DA. Texas Ratio - F Texas Ratio Trend - F Deposit Growth - F Capitalization - F

Reviews (1)

Mortgage Service

Posted by: Anonymous | Oct 25, 2011

Horrible service, no concern for customer service (nor care for responding to customer requests) -caused us to foreclose on a loan (cruel about the matter) - hope God forgives them.

Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. First State Bank (WV) has a negative return on equity.

Health Grade Components

FDIC Certificate #14361
Year Established1905
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD-1.9%
Return on Equity - YTD-74.74%
Annual Interest Income$4.4MM
Assets and Liabilities
AssetsQ3 2019vs Q3 2018$157.7MM$161.1MM
LoansQ3 2019vs Q3 2018$94.6MM$106.3MM
DepositsQ3 2019vs Q3 2018$135.9MM$132.6MM
Equity CapitalQ3 2019vs Q3 2018$3.7MM$7.4MM
Loan Loss AllowanceQ3 2019vs Q3 2018$1.5MM$1.8MM
Unbacked Noncurrent LoansQ3 2019vs Q3 2018$16.8MM$13.0MM
Real Estate OwnedQ3 2019vs Q3 2018$21.2MM$20.0MM
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First State Bank (WV) CD Rates

2.12%$500-7 Month CD
1.93%$500-60 - 84 Month CD
1.77%$500-48 - 59 Month CD
1.66%$500-36 - 47 Month CD
1.64%$500-24 - 35 Month CD
1.47%$500-18 Month CD
1.47%$500-12 - 23 Month CD
1.33%$500-6 - 11 Month CD
1.00%$500-3 - 5 Month CD

First State Bank (WV) IRA Rates

2.12%$500-7 Month IRA
1.93%$500-60 - 84 Month IRA
1.77%$500-48 - 59 Month IRA
1.66%$500-36 - 47 Month IRA
1.64%$500-24 - 35 Month IRA
1.47%$500-12 - 23 Month IRA
1.47%$500-18 Month IRA
1.33%$500-6 - 11 Month IRA
1.00%$500-3 - 5 Month IRA

First State Bank (WV) Locations
Teays Valley Branch3754 Teays Valley RoadHurricane, WV 25526
Huntington Branch401 10th StreetHuntington, WV 25702
The First State Bank660 Central AvenueBarboursville, WV 25504
Off-Premise Facility6441 Farmdale RoadBarboursville, WV 25504

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