FIRST BANK

WAVERLY, IA | Medium | Est. Jan. 1, 1864, midnight | FDIC #4519 | RSSD #376442 | FED
Latest Report: 2025-12-31

FIRST BANK is amn medium FDIC-insured commercial bank headquartered in WAVERLY, IA, established in Jan. 1, 1864, midnight. As of 2025-12-31, the bank reported total assets of $730M and total deposits of $599M. Profitability stands at 1.29% ROA and 10.47% ROE, with a net interest margin of 3.81%. The bank's CET1 capital ratio is 17.04%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.15% and a Texas Ratio of 1.17%. FDIC Certificate #4519.

Assets

$730M

Deposits

$599M

Loans

$541M

Equity

$91M

Profitability

Return on Assets (ROA) 1.29%
Return on Equity (ROE) 10.47%
Net Interest Margin (NIM) 3.81%
Yield on Assets 5.69%
Cost of Funds 1.99%

Asset Quality

NPL Ratio 0.15%
Net Charge-Off Ratio 0.01%
Texas Ratio 1.17%
NPA Ratio 0.16%
ACL / Loans 1.20%

Capital & Liquidity

CET1 Ratio 17.04%
Tier 1 Capital 17.04%
Total Capital Ratio 18.29%
Leverage Ratio 12.15%
Loan-to-Deposit 90.30%

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