$817M
+0.1%y/y
Percentile by value21st percentileby value
FDIC
LNLSGRFS
First State Bank
Key West, FloridaFDIC Cert #17509
STATEEstablished 19559 branches
Holding company: FIRST STATE BANK HOLDING CORegulator: FDIC
FDIC
CERT + OFFDOMPortfolio mix & concentration
Loans
The composition, growth, and concentration of the loan book using reported Call Report categories.
As of Q1 2026
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $119M |
| Investor CRE | $339M |
| Multifamily | $25.9M |
| Construction | $12.4M |
| 1–4 family | $146M |
| C&I | $54.3M |
| Agriculture | $63.8M |
| Other | $57.6M |
Loan book
Reported balances and balance-sheet intensity.
$808M
+0.1%y/y
Percentile by value21st percentileby value
FDIC
LNLSNET+0.05%
−96.3%y/y
Percentile by value16th percentileby value
FDIC
LNLSNET76.4%
+0.6%y/y
Percentile by value28th percentileby value
FDIC
LNLSNET + DEP68.0%
+0.5%y/y
Percentile by value36th percentileby value
FDIC
LNLSNET + ASSET86.76%
−1.4%y/y
Percentile by value53rd percentileby value
FDIC
LNRE + LNLSGRConcentration
Portfolio concentration relative to loans and risk-based capital.
287%
+12.7%y/y
Percentile by value77th percentileby value
Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC9%
−7.3%y/y
Percentile by value10th percentileby value
Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRECONS + RBC2,363points
+7.7%y/y
Peer standing35th percentile
FDIC
LNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD14.59%
−14.9%y/y
Percentile by value66th percentileby value
FDIC
LNRENROW + LNLSGR41.41%
+8.4%y/y
Percentile by value96th percentileby value
FDIC
LNRENROT + LNLSGR6.64%
+76.0%y/y
Percentile by value30th percentileby value
FDIC
LNCI + LNLSGR