FDIC Cert #8745 · Middlebury, Indiana · Est. 1910

First State Bank of Middlebury - FDIC Bank Health Profile

A community-scale look at First State Bank of Middlebury's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$813M
Total assets
A
Health grade · Excellent
1.30%
Return on assets
16.3%
Tier 1 capital

Data updated July 2026

The verdict

First State Bank of Middlebury earns a PlainBankData health grade of A (88/100), with well-capitalized at 16.34% Tier 1, profitable at 1.30% ROA, efficient (57% cost ratio).

#1,251
largest of 4,313 FDIC banks by assets
71st
percentile by asset size, nationally
16.34%
Tier 1 ratio - above the 10% well-capitalized line
64th
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 8745 · IN A · 88/100

GRADE-A · UPPER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-MID · BOOK-FULL

  • GRADE-A A (88/100)
  • UPPER-Q #931/4307
  • PHOTO-FINISH Bank of Lake Mills · WI
  • TIER1-WELL 16.3% Tier 1
  • TEXAS-CLEAN 10.5% Texas
  • ROA-STRONG 1.30% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Indiana: Bank of Lake Mills, WI (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around First State Bank of Middlebury

Lowest and highest poles plus nearest scored peers outside Indiana, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Bank of Lake Mills · WI · ne…88/100Bluff View Bank · WI · near88/100Commercial Bank & Tr… · TN ·…88/100First State Bank of… · IN · …88/100United Farmers State… · MN ·…88/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around First State Bank of Middlebury · July 2026

What First State Bank of Middlebury's Call Report plate shows

First State Bank of Middlebury (FDIC Cert #8745) carries a PlainBankData health grade of A at 88/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #931 of 4,307. Tier 1 capital prints at 16.34%, clearing the 10% well-capitalized line. The Texas Ratio is 10.50%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.30%. Balance-sheet scale is $813M, 1,251st of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Bank of Lake Mills (WI), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around First State Bank of Middlebury

3 FAILURE resolutions in Indiana since 2000 (3 since 2008)

First State Bank of Middlebury's home state sits in the middle band of post-2000 FAILURE counts (3; 3 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; First State Bank of Middlebury remains an active FDIC-insured reporter.

  • SCB BANK SHELBYVILLE, IN 2012 → FIRST MERCHANTS BANK, NATIONAL ASSOCIATION
  • INTEGRA BANK NATIONAL ASSOCIATION EVANSVILLE, IN 2011 → OLD NATIONAL BANK
  • IRWIN UNION BANK AND TRUST COMPANY COLUMBUS, IN 2009 → FIRST FINANCIAL BANK, N.A.

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Indiana banks.

How First State Bank of Middlebury's 88/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10088/100
First State Bank of Middlebury's composite health score
Tier 1 Capital Ratio (16.34%) 40/40
Return on Assets (ROA) (1.30%) 20/25
Texas Ratio (10.50%) 16/20
Efficiency Ratio (57.01%) 12/15

88 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$813M

Total balance-sheet footings

Total Deposits

$654M

Customer-funded liabilities

Net Loans

$632M

Outstanding loan book

Net Income

$10M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 14.94% 16.34% 17.74%
Basel III capital ratios - First State Bank of Middlebury

Where First State Bank of Middlebury ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First State Bank of Middlebury's score of 88/100 falls in the highlighted band.

First State Bank of Middlebury: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

88 Top 22% higher than 78% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. First State Bank of Middlebury 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

First State Bank of Middlebury's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). First State Bank of Middlebury's $813M falls in the highlighted band.

Safety ratios for First State Bank of Middlebury

Tier 1 capital ratio
Well-capitalized 10%

16.34% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
16.34%
Texas Ratio
10.50%
Equity Capital
$94M

What these ratios mean →

Earnings posture at First State Bank of Middlebury

Return on Assets (ROA)
64th percentile nationally
1.30%
Return on Equity (ROE)
12.02%
Efficiency Ratio
57.01%

What these mean →

Income & expense at First State Bank of Middlebury

$46M
Interest Income
$5M
Non-Interest Income
$21M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. First State Bank of Middlebury reports a Texas Ratio of 10.50% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

10.50% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View First State Bank of Middlebury on FDIC BankFind →

Top banks in Indiana by total assets

Largest banks headquartered in Indiana
  1. 1
    Old National Bank $71.8B

    Evansville, IN · Grade B

  2. 2
    Merchants Bank of Indiana $19.4B

    Carmel, IN · Grade A

  3. 3
    First Merchants Bank $19.0B

    Muncie, IN · Grade A

  4. 4
    Centier Bank $9.7B

    Whiting, IN · Grade A

  5. 5
    1st Source Bank $9.1B

    South Bend, IN · Grade A

Top 5 banks in Indiana ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($813M here), outside Indiana so the neighborhood is not state containment.

The Bank of New Glarus $813M · WI Freedom Bank $812M · NJ Hebron Savings Bank $814M · MD Pendleton Community Bank, Inc. $814M · WV

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First State Bank of Middlebury (FDIC Cert #8745) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

First State Bank of Middlebury Call Report profile · FDIC Failed Bank List · Indiana FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Indiana

All Indiana banks →
BankAssetsGradeROA
Old National BankEvansville $71.8B B 1.16%
Merchants Bank of IndianaCarmel $19.4B A 1.20%
First Merchants BankMuncie $19.0B A 1.27%
Centier BankWhiting $9.7B A 1.67%
1st Source BankSouth Bend $9.1B A 1.84%
German American BankJasper $8.4B A 1.46%
Lake City BankWarsaw $7.0B A 1.61%
Horizon BankMichigan City $6.4B C -1.96%