FIRST STATE BANK OF OLMSTED

OLMSTED, IL | Micro | Est. Nov. 7, 1921, midnight | FDIC #10437 | RSSD #413347 | FDIC
Latest Report: 2025-12-31

FIRST STATE BANK OF OLMSTED is amn micro FDIC-insured commercial bank headquartered in OLMSTED, IL, established in Nov. 7, 1921, midnight. As of 2025-12-31, the bank reported total assets of $78M and total deposits of $68M. Profitability stands at 1.04% ROA and 8.67% ROE, with a net interest margin of 3.85%. The bank's CET1 capital ratio is 12.03%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.76% and a Texas Ratio of 3.77%. FDIC Certificate #10437.

Assets

$78M

Deposits

$68M

Loans

$48M

Equity

$9M

Profitability

Return on Assets (ROA) 1.04%
Return on Equity (ROE) 8.67%
Net Interest Margin (NIM) 3.85%
Yield on Assets 5.40%
Cost of Funds 1.99%

Asset Quality

NPL Ratio 0.76%
Net Charge-Off Ratio --
Texas Ratio 3.77%
NPA Ratio 0.48%
ACL / Loans 0.97%

Capital & Liquidity

CET1 Ratio 12.03%
Tier 1 Capital 12.03%
Total Capital Ratio 12.64%
Leverage Ratio 12.00%
Loan-to-Deposit 71.43%

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