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BDI
FS

First State Bank

Key West, FloridaFDIC Cert #17509

STATEEstablished 19559 branches

Holding company: FIRST STATE BANK HOLDING CORegulator: FDIC

FDICCERT + OFFDOM

Delinquency, loss & reserves

Credit

Early-stage delinquency, nonaccruals, realized loss, and allowance coverage from reported filings.

As of Q1 2026

Problem credits

Reported delinquent and nonperforming exposures, shown as balances and ratios.

30–89 %
0.15%
−62.0%y/y
Peer standing69th percentile
Peer standing in asset:1b_3b
FDICP3ASSET + LNLSGR
90+ %
0.00%
−100.0%y/y
Peer standing100th percentile
Peer standing in asset:1b_3b
FDICP9ASSET + LNLSGR
Nonaccrual %
0.15%
+1.2%y/y
Peer standing78th percentile
Peer standing in asset:1b_3b
FDICNAASSET + LNLSGR
Noncurrent %
0.15%
−50.7%y/y
Peer standing81st percentile
Peer standing in asset:1b_3b
FDICP9ASSET + NAASSET + LNLSGR
NPA/assets
0.10%
−50.4%y/y
Peer standing82nd percentile
Peer standing in asset:1b_3b
FDICP9ASSET + NAASSET + ORE + ASSET
NPA
$1.22M
−50.6%y/y
Peer standing85th percentile
Peer standing in asset:1b_3b
FDICP9ASSET + NAASSET + ORE

Loss & allowance

Recognized charge-offs and the allowance held against the loan portfolio.

NCO rate
−0.12%
−1,684.5%y/y
Peer standing98th percentile
Peer standing in asset:1b_3b
FDICNTLNLS + LNLSGR
NCO
−$239K
−1,693.3%y/y
Peer standing98th percentile
Peer standing in asset:1b_3b
FDICNTLNLS + DRLNLS + CRLNLS
ACL/loans
1.14%
−0.1%y/y
Percentile by value48th percentileby value
Peer standing in asset:1b_3b
FDICLNATRES + LNLSGR
30–89
$1.22M
−62.0%y/y
Peer standing75th percentile
Peer standing in asset:1b_3b
FDICP3ASSET
90+
$0
−100.0%y/y
Peer standing100th percentile
Peer standing in asset:1b_3b
FDICP9ASSET
Nonaccrual
$1.22M
+1.2%y/y
Peer standing79th percentile
Peer standing in asset:1b_3b
FDICNAASSET