First State Bank

Eastpointe, MichiganFDIC Cert #15032

STATEEstablished 191711 branches

Holding company: FIRST STATE FINANCIAL CORPRegulator: FED

FDICCERT + OFFDOM

Portfolio 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

Latest reported loan balances by category
Category	Balance
Owner CRE	$193M
Investor CRE	$178M
Multifamily	$22.9M
Construction	$63.7M
1–4 family	$375M
C&I	$137M
Agriculture	$0
Other	$51.6M

Loan book

Reported balances and balance-sheet intensity.

Gross loans

$1.02B

+23.1%y/y

Percentile by value43rd percentileby value

FDICLNLSGR

Net loans

$1.01B

+23.4%y/y

Percentile by value43rd percentileby value

FDICLNLSNET

Loans YoY

+23.45%

+33.3%y/y

Percentile by value93rd percentileby value

FDICLNLSNET

L/D

82.9%

+22.4%y/y

Percentile by value46th percentileby value

FDICLNLSNET + DEP

Loans/assets

74.7%

+21.2%y/y

Percentile by value61st percentileby value

FDICLNLSNET + ASSET

RE loans %

86.02%

−4.4%y/y

Percentile by value57th percentileby value

FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC

Construction/capital

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC

Loan HHI

2,254points

−17.8%y/y

Peer standing34th percentile

FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD

Owner CRE %

18.92%

+10.9%y/y

Percentile by value79th percentileby value

FDICLNRENROW + LNLSGR

Investor CRE %

17.41%

−5.0%y/y

Percentile by value43rd percentileby value

FDICLNRENROT + LNLSGR

C&I %

13.43%

−4.5%y/y

Percentile by value61st percentileby value

FDICLNCI + LNLSGR