FIRST STATE BANK OF DECATUR
DECATUR, MICHIGAN · FDIC Cert #12893
Capital & Safety Analysis
According to FDIC financial data, FIRST STATE BANK OF DECATUR holds a Tier 1 capital ratio of 0.00%. This falls below the 6% threshold regulators require, which may subject FIRST STATE BANK OF DECATUR to additional regulatory scrutiny.
Key Financial Metrics
What This Means For Your Money
FIRST STATE BANK OF DECATUR shows average financial health. While not alarming, its Health Score of 58/100 suggests some areas could be stronger. Your FDIC-insured deposits (up to $250,000) remain fully protected regardless.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
FIRST STATE BANK OF DECATUR has a Bank Health Score of C (58/100). It holds a Tier 1 capital ratio of 0.00%, which is below the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
FIRST STATE BANK OF DECATUR holds $54M in total assets and $43M in total deposits. It is located in DECATUR, MICHIGAN (FDIC Certificate #12893).
FIRST STATE BANK OF DECATUR has a Tier 1 capital ratio of 0.00%, classifying it as "Critically Undercapitalized." The nonperforming loan ratio is 0.00%, and the return on assets is 0.29%.
Yes. FIRST STATE BANK OF DECATUR is FDIC-insured (Certificate #12893). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.