1st State Bank
Headquarters: Saginaw, Michigan
Overview
1st State Bank is an FDIC-insured bank headquartered in Saginaw, Michigan. It reported $484.23M in assets and $424.93M in deposits for the period ending March 31, 2026. Bankular currently lists 5 branch locations.
What Bankular checked
These dates identify the official records and review steps supporting this profile.
Quarterly change
What changed since the previous report
December 31, 2025 to March 31, 2026
These comparisons use consecutive official regulatory reporting periods. A change is descriptive and is not a recommendation or safety rating.
Financial indicators
Capital, profitability and credit quality
These are the latest reported capital, profitability and credit-quality measures available for this institution. Read the figures together rather than as a single safety rating.
Branch footprint
Where 1st State Bank has branches
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Locations
Find a branch of 1st State Bank
Bay City Branch
601 N Madison Ave, Bay City, Michigan, 48708
Full-service branch · Opened February 6, 2006
Main Office
4800 Fashion Square Blvd, Saginaw, Michigan, 48604
Full-service branch · Opened April 12, 2004
Midland Branch
400 Ashman St, Midland, Michigan, 48640
Full-service branch · Opened October 1, 2018
State Street
5424 State St, Saginaw, Michigan, 48603
Full-service branch · Opened August 15, 2005
Wilder Road Bay City
3907 Wilder Rd, Bay City, Michigan, 48706
Full-service branch · Opened November 18, 2013
Financial overview
Latest reported figures
Through March 31, 2026
Financial trends
How the balance sheet has changed
Compare recent quarters to see the direction of assets, deposits and loans.
| Quarter | Assets | Deposits | Net loans | ROA |
|---|---|---|---|---|
| March 31, 2026 | $484.23M | $424.93M | $311.39M | 1.37% |
| December 31, 2025 | $480.46M | $420.04M | $313.20M | 1.40% |
| September 30, 2025 | $461.82M | $399.06M | $311.48M | 1.34% |
| June 30, 2025 | $468.18M | $391.28M | $314.23M | 1.25% |
| March 31, 2025 | $449.18M | $394.05M | $293.29M | 1.17% |
| December 31, 2024 | $451.88M | $398.07M | $278.68M | 1.09% |
| September 30, 2024 | $462.06M | $408.73M | $278.84M | 1.00% |
| June 30, 2024 | $478.50M | $427.90M | $279.41M | 0.85% |
Size and reach
How this institution compares
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More on 1st State Bank
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Branch locations
5 listed locations.
Explore →Compare this institution
Compare size, financial metrics, rates and access.
Explore →State banking market
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Explore →Saginaw banking market
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Explore →Rankings and research
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Explore →Sources and methodology
Review the official sources and reporting periods.
Explore →Frequently asked questions
Is 1st State Bank federally insured?
Yes. Bankular identifies this institution in FDIC records under certificate 57626.
Where is 1st State Bank headquartered?
1st State Bank is headquartered in Saginaw, Michigan, at 4800 Fashion Square Blvd, Saginaw, Michigan, 48604.
How large is 1st State Bank?
It reported $484.23M in assets and $424.93M in deposits for the period ending March 31, 2026.
How many locations does 1st State Bank have?
Bankular currently lists 5 branch locations for this institution.
Data sources and methodology
Bankular combines official regulatory records with institution-published product information. The detailed sources are available below for readers who want to verify a figure.