How Big Is First State Bank of Decatur?
First State Bank of Decatur holds $54M in total assets and $43M in deposits, making it a small bank by U.S. standards. By total assets it is the 3,713th-largest of the 3,960 FDIC-insured banks we track. Those figures come from First State Bank of Decatur's latest FDIC call report (cert #12893); it is one of the smallest FDIC-insured institutions, with under $100 million in assets.
This page answers a common banking-safety question: How Big Is First State Bank of Decatur?. The answer draws on FDIC Call Report filings, the quarterly disclosure every FDIC-insured bank submits covering capital, assets, loans, deposits, and earnings. Call Report data is one of the most comprehensive bank-level public-records systems in the U.S. financial system. Why this matters for depositors: most U.S. consumer deposits are FDIC-insured up to $250,000 per depositor per insured bank, so bank failure does not directly threaten typical retail deposits within that limit. But the bank-health analysis is still useful for above-limit deposits (small businesses, treasurers, high-net-worth depositors) and for understanding the broader stability of regional banking.
The detailed answer below uses the actual FDIC Call Report numbers, explains how to read them, and translates the regulatory accounting into the depositor-relevant interpretation of the question.
First State Bank of Decatur Size at a Glance
- Total assets
- $54M
- Total deposits
- $43M
- Domestic deposits
- $43M
- Size class
- small bank
- Rank by assets
- #3,713 of 3,960
- Headquarters
- Decatur, Michigan
Source: FDIC Call Report data (cert #12893). Figures reflect the latest reported quarter.
With $54M in total assets, First State Bank of Decatur is one of the smallest FDIC-insured institutions, with under $100 million in assets. Nationally, that makes it the 3,713th-largest of the 3,960 FDIC-insured banks we track. The bank funds those assets largely with $43M in customer deposits — a typical structure for a U.S. bank, where deposits are the primary funding source for lending.
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 21.78% | 100/100 |
| Nonperforming Loan Ratio | 0.00% | 100/100 |
| Liquidity Ratio | 47.26% | 100/100 |
| Return on Assets | 0.29% | 31/100 |
| Total Assets | $0.1B | |
How does First State Bank of Decatur compare?
With a Bank Health Score of 93/100, First State Bank of Decatur sits 13.0 points above the national average of 80/100 for FDIC-insured banks. Within Michigan, where 69 FDIC-insured banks are headquartered, First State Bank of Decatur ranks above the state average of 82/100 (Grade A).
The bank's Tier 1 capital ratio of 21.78% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold. Its nonperforming loan ratio of 0.00% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, First State Bank of Decatur's Bank Health Score improved by 6.0 points to 93/100. Tier 1 capital weakened by 0.22 percentage points to 21.78%. Quarter-over-quarter, the score rose by 6.0 points.
Frequently Asked Questions
First State Bank of Decatur holds $54M in total assets and $43M in deposits, making it a small bank by U.S. standards. By total assets it is the 3,713th-largest of the 3,960 FDIC-insured banks we track. Those figures come from First State Bank of Decatur's latest FDIC call report (cert #12893); it is one of the smallest FDIC-insured institutions, with under $100 million in assets.
First State Bank of Decatur ranks 3,713th by total assets out of the 3,960 FDIC-insured banks BankHealth tracks. Its $54M in assets classify it as a small bank.
First State Bank of Decatur reports $54M in total assets and $43M in total deposits ($43M of it domestic). Total assets include loans, securities, and cash the bank owns; deposits are the money customers have placed with the bank. Deposits are typically a bank's largest funding source, and FDIC insurance covers each depositor up to $250,000 per ownership category.
Size and safety are different things. A bank's size (total assets) measures scale, not health — small banks and large banks can each be financially strong or weak. First State Bank of Decatur earns a Bank Health Score of 93/100 (grade A) on capital, loan quality, liquidity, and profitability, independent of its $54M asset base. For deposits within the $250,000 FDIC limit, size does not change your insurance protection.
Yes. First State Bank of Decatur (FDIC certificate #12893) is FDIC-insured, meaning each depositor is covered up to $250,000 per ownership category if the bank fails. FDIC insurance protects checking, savings, money market, and CD deposits — it does not cover stocks, bonds, mutual funds, or annuities.
More about First State Bank of Decatur
First State Bank of Decatur holds $54M in total assets and $43M in deposits, making it a small bank by U.S. standards. By total assets it is the 3,713th-largest of the 3,960 FDIC-insured banks we track. Those figures come from First State Bank of Decatur's latest FDIC call report (cert #12893); it is one of the smallest FDIC-insured institutions, with under $100 million in assets.