Bank · FDIC insured
First State Bank
A $1.2B bank headquartered in Winchester, OH, with 17 branches in 2 states.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: carrot has not captured enough rates to score this yet. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- Savings730.05%3.00% with extra requirementsSavings rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About First State Bank
First State Bank is committed to serving rural communities.
- Headquarters
- 19230 State Route 136, Winchester, OH 45697
- FDIC certificate
- 9437 ↗
Branches
17 branches in 2 states
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Ohio
13 branches
Cincinnati area · 4
- Fayetteville Branch19575 Us 68, Fayetteville, OH 45118Directions
- Georgetown Branch4928 State Route 125, Georgetown, OH 45121Directions
- Mt Orab Branch501 W Main St, Mount Orab, OH 45154Directions
- Ripley Branch252 S 2nd St, Ripley, OH 45167Directions
Winchester area · 1
- First State BankMain office19230 State Route 136, Winchester, OH 45697Directions
Hillsboro area · 1
- Hillsboro Branch730 Harry Sauner Rd, Hillsboro, OH 45133Directions
Manchester area · 1
- Manchester Branch210 Pike St, Manchester, OH 45144Directions
Peebles area · 1
- Peebles Branch145 N Main St, Peebles, OH 45660Directions
Portsmouth area · 1
- Portsmouth Branch1110 Gay St, Portsmouth, OH 45662Directions
Seaman area · 1
- Seaman Branch105 Main St, Seaman, OH 45679Directions
Washington Court House area · 1
- Washington Court House Branch543 Clinton Ave, Washington Court House, OH 43160Directions
West Union area · 1
- West Union Branch409 W Main St, West Union, OH 45693Directions
Wilmington area · 1
- Wilmington Branch1584 Rombach Ave, Wilmington, OH 45177Directions
Kentucky
4 branches
Inez area · 1
- Inez Deposit Bank Branch41 W Main St, Inez, KY 41224Directions
Huntington area · 1
- Inez Deposit Bank E Main St Branch202 E Main St, Louisa, KY 41230Directions
Maysville area · 1
- Maysville Branch169 Wal-Mart Way, Maysville, KY 41056Directions
Warfield area · 1
- Warfield Branch71 Riverfront Rd, Warfield, KY 41267Directions
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 | 10.47% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 0.86% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 1.10% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $52 | $88 | — |
- CapitalLeverage ratio10.47%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent0.86%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets1.10%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$52Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 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.