FIRST STATE BANK

LYNNVILLE, IA | Small | Est. Jan. 1, 1912, midnight | FDIC #5821 | RSSD #677448 | FDIC
Latest Report: 2025-12-31

FIRST STATE BANK is asn small FDIC-insured commercial bank headquartered in LYNNVILLE, IA, established in Jan. 1, 1912, midnight. As of 2025-12-31, the bank reported total assets of $378M and total deposits of $295M. Profitability stands at 1.83% ROA and 16.93% ROE, with a net interest margin of 4.20%. The bank's CET1 capital ratio is 8.54%. Asset quality metrics show a non-performing loan ratio of 0.14% and a Texas Ratio of 0.91%. FDIC Certificate #5821.

Assets

$378M

Deposits

$295M

Loans

$282M

Equity

$41M

Profitability

Return on Assets (ROA) 1.83%
Return on Equity (ROE) 16.93%
Net Interest Margin (NIM) 4.20%
Yield on Assets 6.17%
Cost of Funds 2.23%

Asset Quality

NPL Ratio 0.14%
Net Charge-Off Ratio 0.01%
Texas Ratio 0.91%
NPA Ratio 0.11%
ACL / Loans 1.02%

Capital & Liquidity

CET1 Ratio 8.54%
Tier 1 Capital 8.54%
Total Capital Ratio 8.97%
Leverage Ratio 9.79%
Loan-to-Deposit 95.37%

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