BanksWHITE STATE BANK

WHITE STATE BANK

SOUTH ENGLISH, IASmallEst. Jan. 1, 1908, midnightFDIC #8519RSSD #359744FDIC
Latest · 2025-12-31

WHITE STATE BANK is an 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%. CET1 capital ratio: 10.60%, well above regulatory minimums. NPL ratio: 0.00% · Texas Ratio: 0.00%. Operates 3 domestic branches.

Assets
$105M
Deposits
$93M
Loans
$38M
Equity
$12M

Profitability

Return on Assets (ROA)1.62%
Return on Equity (ROE)14.00%
Net Interest Margin3.67%
Yield on Assets4.94%
Cost of Funds1.34%

Asset Quality

NPL Ratio0.00%
Net Charge-Off Ratio-0.02%
Texas Ratio0.00%
NPA Ratio0.00%
ACL / Loans1.75%

Capital & Liquidity

CET1 Ratio10.60%
Tier 1 Capital10.60%
Total Capital Ratio11.13%
Leverage Ratio11.55%
Loan-to-Deposit40.57%

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