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First State Bank


First State Bank is an FDIC insured institution headquartered at 1201 Simonton St, Key West, FL 33040.
It was founded in 1955 and has approximately $1 billion in assets. Customers can open an account at one of its 12 branches.

Deposit Rates - June 17, 2026





Overview 2026

General Bank Information

FDIC Insured Yes
FDIC Certificate # 17509
Date Established 1955
Assets $ 1,143.81 million
Loans $ 824.56 million
Deposits $ 1,013.47 million
Capital $ 104.95 million

Summary Balance Sheet as of December 31, 2025

ASSETS
Cash & Balances due from depository institutions $ 32.47 million
Interest-bearing balances $ 24.60 million
Total securities $ 258.61 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 824.56 million
Loan loss allowance $ 9.10 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets $ 10.28 million
     Total Assets $ 1,038.85 million

LIABILITIES
Total deposits $ 1,013.47 million
      Interest-bearing deposits $ 778.35 million
      Deposits held in domestic offices $ 1,013.47 million
      % insured (estimated)" 63.01%
Federal funds purchased and repurchase agreements $ 13.62 million
Trading liabilities N.A.
Other borrowed funds $ 10.00 million
Subordinated debt N.A.
All other liabilities $ 6.17 millionn
      Total Liabilities $ 1,038.85 million
      Shareholders’ Equity $ 104.95 million

Summary Income Statement as of December 31, 2025

INCOME AND EXPENSES
Total Interest Income $ 57.10 million
Total Interest Expense $ 20.13 million
Net interest income $ 36.96 million
Provision for loan and lease losses N.A.
Total non interest income $ 5.19 million
Total non interest expense $ 33.05 million
Pre-tax Net Operating Income $ 7.98 million

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