FIRST IOWA STATE BANK

ALBIA, IA | Small | Est. May 12, 1930, midnight | FDIC #14930 | RSSD #787842 | FED
Latest Report: 2025-12-31

FIRST IOWA STATE BANK is asn small FDIC-insured commercial bank headquartered in ALBIA, IA, established in May 12, 1930, midnight. As of 2025-12-31, the bank reported total assets of $380M and total deposits of $340M. Profitability stands at 1.71% ROA and 20.68% ROE, with a net interest margin of 5.09%. The bank's CET1 capital ratio is 7.80%. Asset quality metrics show a non-performing loan ratio of 1.35% and a Texas Ratio of 10.59%. FDIC Certificate #14930.

Assets

$380M

Deposits

$340M

Loans

$283M

Equity

$31M

Profitability

Return on Assets (ROA) 1.71%
Return on Equity (ROE) 20.68%
Net Interest Margin (NIM) 5.09%
Yield on Assets 6.55%
Cost of Funds 1.50%

Asset Quality

NPL Ratio 1.35%
Net Charge-Off Ratio 0.05%
Texas Ratio 10.59%
NPA Ratio 1.01%
ACL / Loans 1.86%

Capital & Liquidity

CET1 Ratio 7.80%
Tier 1 Capital 7.80%
Total Capital Ratio 8.19%
Leverage Ratio 9.61%
Loan-to-Deposit 83.22%

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