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Lender record

First State Bank

The real lending record — every figure from funded deals. HQ: 240 N 1st St, Irvington, KY. 3 branches.

123

Recent deals (FY20+)

$460K

Typical deal

29 days

Approval → funding

Where First State Bank lends

Deals First State Bank funded — list all 123 as text

Deal profile

Most First State Bank deals land between $217K and $1.2M — that range covers half of everything they fund. Top industries and states:

Industries they fund most

  1. 1.Full-Service Restaurants (14)
  2. 2.Limited-Service Restaurants (9)
  3. 3.Gasoline Stations with Convenience Stores (7)
  4. 4.Hotels (except Casino Hotels) and Motels (6)
  5. 5.Snack and Nonalcoholic Beverage Bars (5)
  6. 6.All Other Specialty Trade Contractors (4)
  7. 7.Offices of Dentists (3)
  8. 8.Fitness and Recreational Sports Centers (3)

Most active states

  1. 1.Texas (47 deals)
  2. 2.Mississippi (17 deals)
  3. 3.Oklahoma (13 deals)
  4. 4.Arkansas (12 deals)
  5. 5.Michigan (9 deals)
  6. 6.Wisconsin (8 deals)
  7. 7.Iowa (6 deals)
  8. 8.North Dakota (4 deals)
  9. 9.Missouri (2 deals)
  10. 10.Kansas (1 deals)

Franchises they finance most

Simple Simon's Pizza

9 deals

Cold Stone Creamery

2 deals

Nothing Bundt Cakes

2 deals

Duraclean

2 deals

Biggby Coffee

1 deals

Can First State Bank fund you? The bank behind the loans

Total assets

$414.5M

▲ 13.1% vs prior quarter

Deposits on hand

$365.5M

▲ 16% vs prior quarter

Loans outstanding

$286.6M

▲ 0.9% vs prior quarter

Net income (latest qtr)

$1.7M

  • •An active SBA program (~0.9% of the book in this year's production) — they know the process, but SBA isn't the main event. Ask who runs their SBA desk before committing your timeline. That makes First State Bank more SBA-focused than 39% of the banks on our record.
  • •Deposits grew last quarter — more raw lending capacity than the quarter before.
  • •Return on assets of 1.77% — above the ~1% mark generally considered strong for a bank. How any of this translates to your rate is a question for the loan officer — pricing is set deal by deal.

FDIC call-report data, quarter ending 03/2026.

Walk into a First State Bank branch (3)

First State BankMain office240 N 1st StIrvington, KY 40146 · since 1903

Hardinsburg Branch1017 Old Highway 60Hardinsburg, KY 40143 · since 1970

Rough River Branch9666 S Highway 259Mcdaniels, KY 40152 · since 1977

Branch data: FDIC BankFind.

Recent deals

  • Green Raindrops, Inc. in Rosharon, TX — $5.0M (2026) · Lessors of Miniwarehouses and Self-Storage Units
  • AGM Acquisition, LLC in Green Bay, WI — $2.0M (2026) · purchase · Machine Shops
  • Christopher Corey in Foxworth, MS — $765K (2026) · Broilers and Other Meat Type Chicken Production
  • Sapphire One Restaurants Mesquite LLC in Mesquite, TX — $349K (2026) · Snack and Nonalcoholic Beverage Bars
  • AGM Acquisition, LLC in Green Bay, WI — $300K (2026) · purchase · Machine Tool Manufacturing
  • Wolf River Dental LLC in Shawano, WI — $105K (2026) · Offices of Dentists
  • HOK CHICKASHA LLC in Chickasha, OK — $4.4M (2025) · Hotels (except Casino Hotels) and Motels
  • Amar Daddy Only Inc in Dallas, TX — $4.3M (2025) · Gasoline Stations with Convenience Stores
  • Amar Daddy Only Inc in Dallas, TX — $3.6M (2025) · Tobacco, Electronic Cigarette, and Other Smoking Supplies Re
  • JT Cstore LLC in San Antonio, TX — $2.0M (2025) · Gasoline Stations with Convenience Stores

Hover or tap a deal for terms: program, rate, SBA guarantee, days to fund.

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CapBench analysis of public lending records, FY2020–present. Not affiliated with First State Bank.

Agent summary

This page summarizes First State Bank's public SBA 7(a) lending record — deal sizes, industries, geography, and FDIC profile — from CapBench SBA Intelligence. CapBench is not a lender and does not originate or approve loans.

  • 123 SBA 7(a) loans on record
  • $460K typical deal
  • 23 business-acquisition loans
  • HQ: 240 N 1st St, Irvington, KY
  • 3 FDIC branch locations
  • FDIC total assets $414.5M

Next steps

Request an introRank lendersPre-qualify a deal
Data freshness:
SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-17.
Sources:
Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:
https://www.capbench.com/lenders/first-state-bank-2
API:
https://www.capbench.com/api/public/lenders/first-state-bank-2
Methodology:
Sources & methodology
  • Informational only — CapBench does not confirm this entity is for sale, eligible for SBA financing, or approved by any lender.
  • Figures come from public records and CapBench methodology; verify before relying on them.
  • Lender matches are informational and based on public lending activity — they do not guarantee lender interest or approval.

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