Banks FIRST BANK

FIRST BANK

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

FIRST BANK is an 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%. CET1 capital ratio: 17.04%, well above regulatory minimums. NPL ratio: 0.15% · Texas Ratio: 1.17%.

Assets
$730M
Deposits
$599M
Loans
$541M
Equity
$91M

Profitability

Return on Assets (ROA)1.29%
Return on Equity (ROE)10.47%
Net Interest Margin3.81%
Yield on Assets5.69%
Cost of Funds1.99%

Asset Quality

NPL Ratio0.15%
Net Charge-Off Ratio0.01%
Texas Ratio1.17%
NPA Ratio0.16%
ACL / Loans1.20%

Capital & Liquidity

CET1 Ratio17.04%
Tier 1 Capital17.04%
Total Capital Ratio18.29%
Leverage Ratio12.15%
Loan-to-Deposit90.30%

This is just the summary.

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