BanksFIRST TRUST AND SAVINGS BANK

FIRST TRUST AND SAVINGS BANK

WHEATLAND, IASmallEst. Jan. 1, 1905, midnightFDIC #8752RSSD #640442FDIC
Latest · 2025-12-31

FIRST TRUST AND SAVINGS BANK is an FDIC-insured commercial bank headquartered in WHEATLAND, IA, established in Jan. 1, 1905, midnight. As of 2025-12-31, the bank reported total assets of $300M and total deposits of $253M. Profitability stands at 0.67% ROA and 6.55% ROE, with a net interest margin of 4.10%. CET1 capital ratio: 10.25%, well above regulatory minimums. NPL ratio: 1.86% · Texas Ratio: 14.47%. Operates 8 domestic branches.

Assets
$300M
Deposits
$253M
Loans
$265M
Equity
$31M

Profitability

Return on Assets (ROA)0.67%
Return on Equity (ROE)6.55%
Net Interest Margin4.10%
Yield on Assets6.48%
Cost of Funds2.51%

Asset Quality

NPL Ratio1.86%
Net Charge-Off Ratio0.30%
Texas Ratio14.47%
NPA Ratio1.64%
ACL / Loans1.22%

Capital & Liquidity

CET1 Ratio10.25%
Tier 1 Capital10.25%
Total Capital Ratio10.76%
Leverage Ratio10.52%
Loan-to-Deposit104.59%

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