WHITE STATE BANK

Latest Report: 2025-12-31

WHITE STATE BANK is asn small FDIC-insured commercial bank headquartered in SOUTH ENGLISH, IA, established in Jan. 1, 1908, midnight. As of 2025-12-31, the bank reported total assets of $105M and total deposits of $93M. Profitability stands at 1.62% ROA and 14.00% ROE, with a net interest margin of 3.67%. The bank's CET1 capital ratio is 9.78%. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #8519.

Assets

$105M

Deposits

$93M

Loans

$38M

Equity

$12M

Profitability

Return on Assets (ROA) 1.62%

Return on Equity (ROE) 14.00%

Net Interest Margin (NIM) 3.67%

Yield on Assets 4.94%

Cost of Funds 1.32%

Asset Quality

NPL Ratio 0.00%

Net Charge-Off Ratio -0.02%

Texas Ratio 0.00%

NPA Ratio 0.00%

ACL / Loans 1.75%

Capital & Liquidity

CET1 Ratio 9.78%

Tier 1 Capital 9.78%

Total Capital Ratio 10.27%

Leverage Ratio 11.55%

Loan-to-Deposit 40.57%

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