Bank · FDIC insured
First State Bank
A $402M bank headquartered in Irvington, KY, with 3 branches in Kentucky. Best rates: CDs 3.85% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: not enough terms or balances published to score. Savings: rates are not published online. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- CDs—3.85%CD rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About First State Bank
First State Bank is a locally owned community bank and member of First Breckinridge Bancshares.
The bank is located in Irvington, Kentucky.
- Headquarters
- 240 N 1st St, Irvington, KY 40146
- FDIC certificate
- 12149 ↗
Branches
3 branches in Kentucky
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Kentucky
3 branches
Irvington area · 1
- First State BankMain office240 N 1st St, Irvington, KY 40146Directions
Hardinsburg area · 1
- Hardinsburg Branch1017 Old Highway 60, Hardinsburg, KY 40143Directions
Mcdaniels area · 1
- Rough River Branch9666 S Highway 259, Mcdaniels, KY 40152Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 11.23% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 1.33% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.72% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $81 | $81 | — |
- CapitalLeverage ratio11.23%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent1.33%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.72%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$81Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of First State Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.