1ST STATE FINANCIAL LTD is the bank holding company. 1ST STATE BANK is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the holding company level.

Bank Holding Company

1ST STATE FINANCIAL LTD

Legal name: 1ST STATE FINANCIAL, LTD.

1 active bank · $484M combined assets

RSSD ID: 3223293 (FFIEC NIC)

Combined Assets

$484M

CRA Rating Summary

Satisfactory1charter

Across all 6 exams on record for this holding company's charters, 100% resulted in Outstanding or Satisfactory.

Primary bank1ST STATE BANKSAGINAW, MISatisfactory$484MView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$484M

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$425M

Net Income

$2M

ROA (avg)

1.37%

asset-weighted avg

Mortgage Lending (HMDA)

CFPB · 2018Lender rankings →

Aggregated HMDA data across all active charters for 2018.

Applications

312

Origination Rate

77.88%

Denial Rate

8.33%

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
1ST STATE BANK	SAGINAW, MI	FDIC	$484M	100.0%	Satisfactory	Dec 2025

CRA (Community Reinvestment Act) exams are conducted per charter, not per holding company. Asset figures are from the most recent FDIC call report.