First State Bank
Winchester, OH · Owner: First State Bcorp Inc
$1.2B
total assets, June 30, 2026
$1.2B
total assets, June 30, 2026
First State Bank is a state nonmember bank based in Winchester, OH, owned by First State Bcorp Inc. As of June 30, 2026 it held $1.2 billion in assets and $1.1 billion in deposits; assets were up 10.7% from a year before. It has 17 branches in 2 states.
Updated Oct 11, 2026 · numbers as of June 30, 2026
Total assets
$1.2B
+10.7% in a year · +4.4% in a quarter
Deposits
$1.1B
+5.0% in a year · +1.7% in a quarter
Loans
$574M
+6.6% in a year · +0.3% in a quarter
Profit so far
$6.6M
Jan 1 to Jun 30, 2026 · +14.2% in a year
Capital ratio
10.47%
+1.83 pts in a year
Return on assets
1.10%
+0.03 pts in a year
Facts
- Type
- State nonmember bank
- Head office
- 19230 State Route 136, Winchester, OH, 45697
- County
- Adams
- Holding company
- First State Bcorp Inc
- Established
- Jan 1, 1934
- Employees
- 189
- Branches
- 17 in 2 states
- Website
- www.fsb4me.com
- Id
- b9437
Quarter by quarter
March 31, 1984 to June 30, 2026
Assets, deposits and loans
Each quarter end, US dollars
Profit by quarter
Net income of each quarter, the last 12
Ratios
Percent. Return on assets and net interest margin are yearly rates.
Branches
17 offices as of June 30, 2026, holding $1.1 billion in deposits
Branch map
Every branch, sized by its deposits
| Largest branches | Place | Deposits |
|---|---|---|
| First State Bank (main office) | Winchester, OH | $271M |
| West Union Branch | West Union, OH | $134M |
| Georgetown Branch | Georgetown, OH | $131M |
| Inez Deposit Bank Branch | Inez, KY | $82.3M |
| Washington Court House Branch | Washington Court House, OH | $80.7M |
| Hillsboro Branch | Hillsboro, OH | $69.1M |
| Inez Deposit Bank E Main St Branch | Louisa, KY | $51.7M |
| Manchester Branch | Manchester, OH | $50.0M |
| Peebles Branch | Peebles, OH | $49.3M |
| Seaman Branch | Seaman, OH | $43.0M |
Related pages
Questions and answers
How big is First State Bank?
$1.2 billion in total assets and $1.1 billion in deposits as of June 30, 2026, with assets up 10.7% from a year before. Its loans were $574.1 million.
How many branches does First State Bank have?
17 branches in 2 states as of June 30, 2026. The most deposits are in Ohio ($944.1 million).
Is First State Bank profitable?
Yes: it earned $6.59 million from January 1 to June 30, 2026 (up 14.2% from the same months a year before). Its return on assets was 1.10% a year; about 1% is typical.
Who owns First State Bank?
First State Bank is owned by First State Bcorp Inc, its holding company.
Official public data from the reports every insured bank files each quarter. Profit so far runs from January 1 to the quarter end. Branch deposits are counted once a year, as of June 30. New quarters appear about two months after the quarter ends.