FIRST STATE BANK

STUART, IA | Small | Est. Jan. 1, 1934, midnight | FDIC #16177 | RSSD #190947 | FDIC
Latest Report: 2025-12-31

FIRST STATE BANK is asn small FDIC-insured commercial bank headquartered in STUART, IA, established in Jan. 1, 1934, midnight. As of 2025-12-31, the bank reported total assets of $129M and total deposits of $114M. Profitability stands at 0.98% ROA and 8.25% ROE, with a net interest margin of 4.29%. The bank's CET1 capital ratio is 25.52%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #16177.

Assets

$129M

Deposits

$114M

Loans

$58M

Equity

$15M

Profitability

Return on Assets (ROA) 0.98%
Return on Equity (ROE) 8.25%
Net Interest Margin (NIM) 4.29%
Yield on Assets 5.53%
Cost of Funds 1.30%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.10%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 2.01%

Capital & Liquidity

CET1 Ratio 25.52%
Tier 1 Capital 25.52%
Total Capital Ratio 26.79%
Leverage Ratio 11.92%
Loan-to-Deposit 51.22%

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