Listed locations
4
Institution profile
1st State Bank
Identity verified through FDIC; additional sources pendingVerification describes the US Mortgage Index public-source matching process. It is not an endorsement or recommendation. Read the methodology
Public-record data only. Not a recommendation, lender endorsement, or rate comparison. Verify current licensing, product availability, and terms independently.
FDIC BankFind baseline
FDIC-reported identity and institutional fields from the public BankFind record. These values are not described as current or real-time.
- Legal name
- 1st State Bank
- Display name
- 1st State Bank
- Institution status
- Active
- FDIC insured
- Yes
- FDIC insured since
- April 12, 2004
- Established date
- April 12, 2004
- Charter class
- State-chartered commercial bank, not a member of the Federal Reserve System (FRS)
- Primary federal regulator
- Federal Deposit Insurance Corporation
- Headquarters
- Saginaw, MI, 48604, United States
- Website
- https://www.1ststate.bank
- FDIC certificate number
- 57626
- Federal Reserve RSSD ID
- 3223305
- Domestic location count
- 5
- Source observed
- August 5, 2026
Regulatory profile
Public FFIEC NIC and CRA records for this institution, presented as source-backed regulatory context rather than a score or recommendation.
Regulatory identity
- Institution status
- ACTIVE
- Primary federal regulator
- FDIC
- Institution type
- Non-member Bank
- Primary activity
- NAICS 52211
- FDIC certificate
- 57626
- Federal Reserve RSSD ID
- 3223305
- Headquarters
- 4800 Fashion Square Boulevard, Saginaw, MI, 48604, United States
- Primary deposit insurer
- Deposit Insurance Fund (DIF)
- Source observed
- August 19, 2026
Branch network
Showing 1 through 4 of 4 listed locations
Scroll sideways to see every branch column.
| Branch | Address | City | State | Postal code |
|---|---|---|---|---|
| BAY CITY BRANCH | 601 North Madison Avenue | Bay City | MI | 48708 |
| WILDER ROAD BRANCH | 3907 Wilder Road | Bay City | MI | 48706 |
| MIDLAND BRANCH | 400 Ashman Street | Midland | MI | 48640 |
| STATE STREET BRANCH | 5424 State Street | Saginaw | MI | 48603 |
Community Reinvestment Act (CRA)
Latest available CRA evaluation
- Rating
- Satisfactory
- Exam date
- December 1, 2025
- Regulator
- FDIC
- Examination method
- Intermediate Small Bank
This information reflects Community Reinvestment Act examination ratings reported by the cited official source. It is not a US Mortgage Index rating, recommendation, or assessment of the institution.
CRA evaluations are examination results from the relevant regulatory process and should be interpreted in the context of the examination date and source.
Historical CRA evaluations
Scroll sideways to see every CRA examination column.
| Exam date | CRA rating | Regulator | Examination method |
|---|---|---|---|
| December 1, 2025 | Satisfactory | FDIC | Intermediate Small Bank |
| October 1, 2022 | Satisfactory | FDIC | Intermediate Small Bank |
| December 1, 2019 | Satisfactory | FDIC | Small Bank |
| March 1, 2017 | Satisfactory | FDIC | Small Bank |
| April 1, 2011 | Satisfactory | FDIC | Small Bank |
| August 1, 2006 | Satisfactory | FDIC | Small Bank |
FFIEC-reported organizational relationships
1 FFIEC NIC relationship record
Showing 1 of 1 relationship records
| Relationship | Institution | Type | Location |
|---|---|---|---|
| ROOT_INSTITUTION | 1ST STATE BANK | Non-member Bank | Saginaw, MI |
These relationships reflect the FFIEC NIC source display and should not be interpreted as a complete legal ownership analysis.
FFIEC NIC information reflects public regulatory records observed on the displayed source date. Observed dates describe when the public record was reviewed, not a real-time update.
Additional profile fields
Fields below supplement the primary source baseline and are shown only when present on the public profile.
- Entity type
- FDIC-insured state-chartered nonmember bank