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This institution is no longer active

Operations ceased on April 3, 2020. CRA examination history below reflects the period it was active.

THE FIRST STATE BANK

BARBOURSVILLE, WV · Supervised by FDIC

Est. 1905FDIC #14,361RSSD: FDIC-14361
Part ofFIRST BANKSHARES INC→ View all charters
Satisfactory Down

Current rating · Exam: June 2020

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -4.06%

Institution Profile

FDIC BankFind

Address

660 Central Avenue, BARBOURSVILLE, WV

County

Cabell County

Established

September 1, 1905

Total Assets

$152M(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

June 1, 2020

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 6 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 2020Call Report / FDIC

Total Assets

$152M

Total Deposits

$143M

Net Loans

$86M

Net Income

$-1,544K

ROA

-4.06%

ROE

-406.72%

Risk-Based Capital

1.70%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

7 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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