C
First State Bank of Middlebury
Rating Date
October 2025
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings First State Bank of Middlebury
Middlebury, IN
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Rating C
Asset Quality Index 8.50
Capitalization Index 10.00
Liquidity Index 1.60
Profitability Index 6.80
Stability Index 5.00
Company Info First State Bank of Middlebury
Middlebury, IN
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FDIC Number 8745
Phone Number (574) 825-2166
Website www.bfirst.bank/
Asset Quality First State Bank of Middlebury
Middlebury, IN
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1-Year Asset Growth 2.39%
5-Year Asset Growth 6.55%
5-Year Charge-Offs to Average Loans 0.03%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.21%
Non-Performing Loans to Capital 2.10%
Non-Performing Loans to Loans 0.27%
Balance Sheet First State Bank of Middlebury
Middlebury, IN
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Total Assets 816.97M
Total Deposits 659.87M
Capital and Reserves First State Bank of Middlebury
Middlebury, IN
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Capital 91.71M
Leverage Ratio 12.89
Loan Loss Reserves to Loans 1.25%
Risk-Based Capital Ratio 17.63
Liquidity First State Bank of Middlebury
Middlebury, IN
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Hot Money Ratio 16.41%
Liquidity Ratio 15.21%
Profitability First State Bank of Middlebury
Middlebury, IN
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5-Year Return on Average Assets 1.40%
Net Income 9.00M
Net Interest Spread 4.06%
Operating Profit to Average Assets 1.74%
Overhead Efficiency Ratio 57.49%
Return on Assets 1.44%
Return on Equity 14.09%