BanksFIRST STATE BANK

FIRST STATE BANK

LYNNVILLE, IASmallEst. Jan. 1, 1912, midnightFDIC #5821RSSD #677448FDIC
Latest · 2025-12-31

FIRST STATE BANK is an 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%. CET1 capital ratio: 9.62%. NPL ratio: 0.14% · Texas Ratio: 0.91%. Operates 7 domestic branches.

Assets
$378M
Deposits
$295M
Loans
$282M
Equity
$41M

Profitability

Return on Assets (ROA)1.83%
Return on Equity (ROE)16.93%
Net Interest Margin4.20%
Yield on Assets6.17%
Cost of Funds2.23%

Asset Quality

NPL Ratio0.14%
Net Charge-Off Ratio0.01%
Texas Ratio0.91%
NPA Ratio0.11%
ACL / Loans1.02%

Capital & Liquidity

CET1 Ratio9.62%
Tier 1 Capital9.62%
Total Capital Ratio10.10%
Leverage Ratio9.79%
Loan-to-Deposit95.37%

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