BanksFIRST STATE BANK OF OLMSTED

FIRST STATE BANK OF OLMSTED

OLMSTED, ILMicroEst. Nov. 7, 1921, midnightFDIC #10437RSSD #413347FDIC
Latest · 2025-12-31

FIRST STATE BANK OF OLMSTED is an 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%. CET1 capital ratio: 12.03%, well above regulatory minimums. NPL ratio: 0.76% · Texas Ratio: 3.77%. Operates 2 domestic branches.

Assets
$78M
Deposits
$68M
Loans
$48M
Equity
$9M

Profitability

Return on Assets (ROA)1.04%
Return on Equity (ROE)8.67%
Net Interest Margin3.85%
Yield on Assets5.40%
Cost of Funds1.62%

Asset Quality

NPL Ratio0.76%
Net Charge-Off Ratio0.00%
Texas Ratio3.77%
NPA Ratio0.48%
ACL / Loans0.97%

Capital & Liquidity

CET1 Ratio12.03%
Tier 1 Capital12.03%
Total Capital Ratio12.64%
Leverage Ratio12.00%
Loan-to-Deposit71.43%

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