🏦Bank Scorer

FIRST STATE BANK

EASTPOINTE, MI · Supervised by FDIC

Est. 1917FDIC #15,032RSSD: FDIC-15032
Part ofFIRST STATE FINANCIAL CORP→ View all charters
Satisfactory Same

Current rating · Exam: May 2019

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.20%

Institution Profile

FDIC BankFind

Address

16100 E 9 Mile Rd, EASTPOINTE, MI

County

Macomb County

Established

January 1, 1917

Total Assets

$1.3B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

May 1, 2019

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 7 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$1.3B

Total Deposits

$1.2B

Net Loans

$1.0B

Net Income

$4M

ROA

1.20%

ROE

12.74%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

11

Branch Deposits

$1.2B

1-Year Change

0

5-year net change: -1 branches

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

10 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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