First State Bank

First State Bank is a currently active commercial lending specialization banking institution headquartered in Irvington, Kentucky. Established in 01/01/1903, this institution operates under regulatory supervision and is fully insured by the FDIC.

As a financial institution, First State Bank manages $414.5M in total assets and holds $365.5M in customer deposits. When evaluating the stability of First State Bank, one of the most critical metrics is its Capital Cushion (Equity-to-Assets Ratio). At 9.63%, this indicates how much financial loss the bank can absorb before depositors' funds are placed at risk. A strong equity cushion is a key indicator of a bank's ability to weather economic downturns.

In terms of operational efficiency, the bank's Return on Assets (ROA) is 1.77%, while its Return on Equity (ROE) sits at 17.50%. These robust metrics contribute to an overall health score of 9.9 out of 10, signaling a well-capitalized and efficiently managed operation that effectively balances risk and shareholder return.