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This institution is no longer active

Operations ceased on July 1, 2025. CRA examination history below reflects the period it was active.

FIRST STATE BANK OF THE SOUTHEAST, INC

MIDDLESBORO, KY · Supervised by FDIC

Est. 1904FDIC #2,710RSSD: FDIC-2710
Part ofFIRST STATE BANCSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: February 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.46%

Institution Profile

FDIC BankFind

Address

1820 Cumberland Ave, MIDDLESBORO, KY

County

Bell County

Established

January 4, 1904

Total Assets

$412M(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

February 1, 2025

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Feb 2029(based on asset size)

Financial Snapshot

As of Q2 2025Call Report / FDIC

Total Assets

$412M

Total Deposits

$273M

Net Loans

$352M

Net Income

$954K

ROA

0.46%

ROE

6.27%

Risk-Based Capital

11.92%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate15.15%Peer avg: 7.63%▼ Below avg

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Branch Footprint

FDIC SOD 2025

Total Branches

8

Branch Deposits

$273M

1-Year Change

0

5-year net change: -2 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202413259.85%15.15%
202316154.66%16.15%
202224965.86%10.44%
202124767.61%12.55%
202017083.53%3.53%
201915179.47%10.60%
201822375.34%15.70%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

11 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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