FIRST STATE BANK

NASHUA, IA | Micro | Est. Feb. 21, 2005, midnight | FDIC #57910 | RSSD #3285246 | FDIC
Latest Report: 2025-12-31

FIRST STATE BANK is amn micro FDIC-insured commercial bank headquartered in NASHUA, IA, established in Feb. 21, 2005, midnight. As of 2025-12-31, the bank reported total assets of $70M and total deposits of $57M. Profitability stands at 1.53% ROA and 13.79% ROE, with a net interest margin of 4.08%. The bank's CET1 capital ratio is 10.76%, 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 #57910.

Assets

$70M

Deposits

$57M

Loans

$55M

Equity

$8M

Profitability

Return on Assets (ROA) 1.53%
Return on Equity (ROE) 13.79%
Net Interest Margin (NIM) 4.08%
Yield on Assets 6.17%
Cost of Funds 3.06%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio --
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 0.91%

Capital & Liquidity

CET1 Ratio 10.76%
Tier 1 Capital 10.76%
Total Capital Ratio 11.30%
Leverage Ratio 11.22%
Loan-to-Deposit 95.95%

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