First State Bank is a bank based in Winchester, Ohio, established in 1934, with $1.2 billion in total assets across 18 branches. By Trust Grade it ranks 91st of 157 banks we track in Ohio. Its capital ratio of 8.6% trails most similarly sized banks (16th percentile), versus a Ohio median of 10.3%. It was profitable over the most recent period, with a 1.15% 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 Ohio peers
How we graded First State Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (8.6% capital ratio)
- Strongly profitable (ROA 1.15%)
- 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 (18)
- 202 E Main St, Louisa, KY 41230
- 4928 State Route 125, Georgetown, OH 45121
- 71 Riverfront Rd, Warfield, KY 41267
- 105 Main St, Seaman, OH 45679
- 210 Pike St, Manchester, OH 45144
- 409 W Main St, West Union, OH 45693
- 145 N Main St, Peebles, OH 45660
- 501 W Main St, Mount Orab, OH 45154
- 730 Harry Sauner Rd, Hillsboro, OH 45133
- 543 Clinton Ave, Washington Court House, OH 43160
- 41 W Main St, Inez, KY 41224
- 19575 Us 68, Fayetteville, OH 45118
- 1584 Rombach Ave, Wilmington, OH 45177
- 19230 State Route 136, Winchester, OH 45697
- 1110 Gay St, Portsmouth, OH 45662
- 169 Wal-Mart Way, Maysville, KY 41056
- 220 S 6th St, Ironton, OH 45638
- 252 S 2nd St, Ripley, OH 45167
Are deposits at First State Bank insured?
Yes. First State Bank is an FDIC-insured bank (FDIC certificate #9437). 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 (93/100, "Excellent"), based on a financial-strength score of 93/100 (it has no CFPB complaints on record). Well-capitalized (8.6% capital ratio); Strongly profitable (ROA 1.15%).
Is First State Bank FDIC-insured?
Yes. First State Bank is a FDIC-insured bank (FDIC certificate #9437). 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 $1.2 billion in total assets, ranking 91st of 157 banks we track in Ohio. It operates 18 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.
