First State Bank is a bank based in Eastpointe, Michigan, established in 1917, with $1.3 billion in total assets across 11 branches. By Trust Grade it ranks 27th of 73 banks we track in Michigan. Its capital ratio of 9.5% trails most similarly sized banks (33th percentile), versus a Michigan median of 9.6%. It was profitable over the most recent period, with a 1.20% return on assets. No consumer complaints against First State Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How First State Bank compares to Michigan peers
How we graded First State Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (9.5% capital ratio)
- Strongly profitable (ROA 1.20%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for First State Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (11)
- 23600 Greater Mack Ave, St. Clair Shores, MI 48080
- 24335 Harper Ave, St. Clair Shores, MI 48080
- 53050 Romeo Plank Rd, Macomb, MI 48042
- 44990 N Groesbeck Hwy, Clinton Township, MI 48036
- 11555 26 Mile Rd, Washington Township, MI 48094
- 53950 Gratiot Ave, Chesterfield, MI 48051
- 2032 19 Mile Rd, Sterling Heights, MI 48314
- 41240 Hayes Rd, Clinton Township, MI 48038
- 1575 S Rochester Rd, Rochester Hills, MI 48307
- 16100 E 9 Mile Rd, Eastpointe, MI 48021
- 67225 Gratiot Ave, Richmond, MI 48062
Are deposits at First State Bank insured?
Yes. First State Bank is an FDIC-insured bank (FDIC certificate #15032). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
First State Bank: frequently asked questions
Is First State Bank a good bank?
First State Bank earns a Bankzia Trust Grade of A (96/100, "Excellent"), based on a financial-strength score of 96/100 (it has no CFPB complaints on record). Strongly capitalized (9.5% capital ratio); Strongly profitable (ROA 1.20%).
Is First State Bank FDIC-insured?
Yes. First State Bank is a FDIC-insured bank (FDIC certificate #15032). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is First State Bank?
First State Bank holds $1.3 billion in total assets, ranking 27th of 73 banks we track in Michigan. It operates 11 branches.
Does First State Bank have CFPB complaints?
No CFPB complaints against First State Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
