WHITE STATE BANK
WHITE STATE BANK is an FDIC-insured commercial bank headquartered in SOUTH ENGLISH, IA, established in 1908. As of , 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 3.53%. CET1 capital ratio: 10.60%, well above regulatory minimums. NPL ratio: 0.00% · Texas Ratio: 0.00%. Operates 3 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios.
White State Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 10.60% | 1.62% | 0.00% | 0.00% | 3.53% |
| 2025-09-30 | 10.85% | 1.39% | 0.00% | 0.00% | 3.46% |
| 2025-06-30 | 10.28% | 1.43% | 0.00% | 0.00% | 3.41% |
| 2025-03-31 | 9.54% | 1.20% | 0.00% | 0.00% | 3.15% |
| 2024-12-31 | 9.14% | 1.10% | 0.00% | 0.00% | 3.02% |
| 2024-09-30 | 9.56% | 1.59% | 0.00% | 0.00% | 3.17% |
| 2024-06-30 | 8.43% | 1.14% | 0.00% | 0.00% | 2.90% |
| 2024-03-31 | 8.19% | 1.39% | 0.00% | 0.00% | 3.06% |
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Frequently asked about WHITE STATE BANK
What are White State Bank's total assets?
As of the Q4 2025 filing, White State Bank reported total assets of $105.3 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is White State Bank headquartered?
White State Bank is headquartered in SOUTH ENGLISH, IA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was White State Bank founded?
White State Bank was established in 1908, per the FDIC institution directory.
Is White State Bank FDIC-insured?
Yes. White State Bank is an FDIC-insured commercial bank (FDIC Certificate #8519). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates White State Bank?
White State Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is White State Bank's CET1 capital ratio?
White State Bank reported a Common Equity Tier 1 (CET1) capital ratio of 10.60% in its most recent quarterly filing — above regulatory minimums.
How many branches does White State Bank operate?
White State Bank operates 3 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is White State Bank's Texas Ratio?
White State Bank's Texas Ratio is 0.00% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.