Skip to content
BankSonar

First State Bank

Key West, FL · State, non-member commercial bank

49

Sonar Score

Caution

out of 100 · from public FDIC data

Reported March 31, 2026. The Sonar Score is an informational signal from public FDIC data — not a rating or financial advice.

Visit bank website ↗

Key figures

Total assets
$1.2B
Total deposits
$1.1B
Branches
9
Return on assets
0.53%
Return on equity
5.94%
Charter type
State, non-member commercial bank
Established
1955
FDIC cert #
17509

How the 49 breaks down

Capital adequacyweight 40%

Capital ratio not reported.

Profitability (ROA)weight 30%

Modest but positive returns.

Return on equityweight 15%

Positive but moderate equity returns.

Scale & stabilityweight 15%

Mid-size institution.

Read the full Sonar Score methodology →

Your deposits at First State Bank

First State Bank is an FDIC-insured institution (Cert #17509). Deposits are insured up to $250,000 per depositor, per ownership category, by the full faith and credit of the US government. Learn how to maximize your coverage →

9 branch locations

1201 Simonton St

Key West, FL 33040

97670 Overseas Hwy

Key Largo, FL 33037

3406 N Roosevelt Blvd

Key West, FL 33040

101433 Overseas Hwy

Key Largo, FL 33037

6900 Overseas Hwy

Marathon, FL 33050

5450 Macdonald Ave

Stock Island, FL 33040

81621 Old Hwy

Islamorada, FL 33036

3740 Executive Way

Miramar, FL 33025

30515 Overseas Hwy

Big Pine Key, FL 33043

Sponsored · we may earn a commission

Earning enough on your savings?

Many big-bank savings accounts pay near 0%. Compare today's top high-yield savings and CD rates from FDIC-insured banks before you decide where to keep your cash.

Compare savings rates

Other banks in Florida

All Florida banks →