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1st State Bank
✓ FDIC-insured · Active FDIC Certificate #57626
1st State Bank is an FDIC-insured state-chartered bank that is not a Federal Reserve member (supervised by the FDIC), headquartered in Saginaw, Michigan, established in 2004. As of the 06/30/2026 FDIC call report, it reported $490M in total assets and $429M in deposits. FDIC location data lists 5 offices in Michigan. The FDIC classifies it as a community bank. It is owned by the holding company 1ST STATE FINANCIAL LTD (Saginaw, MI).
Financial data as of the 06/30/2026 FDIC call report.
Where it operates
All 5 of 1st State Bank's FDIC-listed offices are in Michigan. Browse banks in Saginaw for other local options.
Branch locations
| 1st State Bank 1st State Bank · Full Service - Brick And Mortar | 4800 Fashion Square Blvd Saginaw, MI 48604 Map ↗ |
| 1st State Bank State Street Branch · Full Service - Brick And Mortar | 5424 State St Saginaw, MI 48603 Map ↗ |
| 1st State Bank Bay City Branch · Full Service - Brick And Mortar | 601 N Madison Ave Bay City, MI 48708 Map ↗ |
| 1st State Bank Wilder Road Bay City Branch · Full Service - Brick And Mortar | 3907 Wilder Rd Bay City, MI 48706 Map ↗ |
| 1st State Bank Midland Branch · Full Service - Brick And Mortar | 400 Ashman St Midland, MI 48640 Map ↗ |
Holding company: 1ST STATE FINANCIAL LTD
The FDIC lists 1ST STATE FINANCIAL LTD, based in Saginaw, MI, as the top holding company for 1st State Bank. The FDIC shows no other active insured banks under the same holding company.
Similar-size banks in Michigan
Active FDIC-insured banks headquartered in Michigan with total assets closest to 1st State Bank's $490M. See all banks in Michigan.
| Bank | HQ city | Assets | Offices |
|---|---|---|---|
| Commercial Bank | Ithaca | $553M | 11 |
| Eaton Community Bank | Charlotte | $543M | 7 |
| Central Savings Bank | Sault Sainte Marie | $517M | 9 |
| Grand River Bank | Grandville | $507M | 2 |
| Century Bank and Trust | Coldwater | $494M | 11 |
| Citizens National Bank of Cheboygan | Cheboygan | $471M | 10 |
| Lake-Osceola State Bank | Baldwin | $469M | 13 |
| Honor Bank | Honor | $443M | 9 |
1st State Bank: common questions
Is 1st State Bank FDIC-insured?
Yes. 1st State Bank is an active FDIC-insured institution, FDIC Certificate #57626. Deposits are insured up to $250,000 per depositor, per ownership category. You can confirm this on FDIC BankFind.
Where is 1st State Bank headquartered?
1st State Bank is headquartered at 4800 Fashion Square Blvd, Saginaw, MI 48604, according to FDIC records.
How many branches does 1st State Bank have?
FDIC location data lists 5 offices for 1st State Bank, all in Michigan.
Who owns 1st State Bank?
The FDIC lists 1ST STATE FINANCIAL LTD of Saginaw, MI as the top holding company for 1st State Bank.
Source: FDIC BankFind Suite (institution, location, and call report data). BankNearMe.com does not rank or rate banks.