1st State Bank
Saginaw, MI · State, non-member commercial bank
Sonar Score
Strong
out of 100 · from public FDIC data
Reported June 30, 2026. The Sonar Score is an informational signal from public FDIC data — not a rating or financial advice.
Key figures
- Total assets
- $490.1M
- Total deposits
- $428.8M
- Branches
- 5
- Return on assets
- 1.35%
- Return on equity
- 11.39%
- Charter type
- State, non-member commercial bank
- Established
- 2004
- FDIC cert #
- 57626
How the 83 breaks down
Well-capitalized by regulatory thresholds.
Strong returns on its asset base.
Efficient use of shareholder capital.
Community-scale institution.
Your deposits at 1st State Bank
1st State Bank is an FDIC-insured institution (Cert #57626). 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 →
5 branch locations
4800 Fashion Square Blvd
Saginaw, MI 48604
5424 State St
Saginaw, MI 48603
601 N Madison Ave
Bay City, MI 48708
3907 Wilder Rd
Bay City, MI 48706
400 Ashman St
Midland, MI 48640
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