This institution is no longer active

Operations ceased on July 1, 2025. CRA examination history below reflects the period it was active.

FIRST STATE BANK OF THE SOUTHEAST, INC

MIDDLESBORO, KY · Supervised by FDIC

Est. 1904FDIC #2,710RSSD: FDIC-2710

Part ofFIRST STATE BANCSHARES INC→ View all charters

Satisfactory Same

Current rating · Exam: February 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.46%

Is this bank safe?

FIRST STATE BANK OF THE SOUTHEAST, INC holds a Satisfactory CRA rating (2025), meets basic financial requirements (ROA +0.46%).

Institution Profile

FDIC BankFind

Address

1820 Cumberland Ave, MIDDLESBORO, KY

County

Bell County

Established

January 4, 1904

Total Assets

$412M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

February 1, 2025

Exam Type

Intermediate Small Bank

Regulator

FDIC

What is a CRA rating? →

Estimated next exam:Feb 2029(based on asset size)

Financial Snapshot

As of Q2 2025Call Report / FDIC

Total Assets

$412M

Total Deposits

$273M

Net Loans

$352M

Net Income

$954K

ROA

0.46%

Above avg for Small banks. Peer avg: 0.44%

ROE

6.27%

Risk-Based Capital

11.92%

Below avg for Small banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA0.46%Peer avg: 0.44%▲ Above avg

Risk-Based Capital11.92%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate15.15%Peer avg: 6.90%▲ More than avg

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Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$273M

1-Year Change

5-year net change: -2 branches

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	132	59.85%	15.15%
2023	161	54.66%	16.15%
2022	249	65.86%	10.44%
2021	247	67.61%	12.55%
2020	170	83.53%	3.53%
2019	151	79.47%	10.60%
2018	223	75.34%	15.70%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Feb 2025	Satisfactory	Intermediate Small Bank
Mar 2022	Satisfactory	Intermediate Small Bank
Apr 2019	Satisfactory	Intermediate Small Bank

9 previous ratings locked — back to 1991

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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