FIRST IOWA STATE BANK
FIRST IOWA STATE BANK is an FDIC-insured commercial bank headquartered in ALBIA, IA, established in 1930. As of , 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 4.86%. CET1 capital ratio: 7.96%. NPL ratio: 1.41% · Texas Ratio: 11.07%. Operates 6 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios.
First Iowa State Bank rankings
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Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 7.96% | 1.71% | 1.41% | 11.07% | 4.86% |
| 2025-09-30 | 8.23% | 2.04% | 1.48% | 11.28% | 4.66% |
| 2025-06-30 | 8.23% | 1.45% | 1.52% | 11.64% | 4.45% |
| 2025-03-31 | 7.32% | 2.16% | 0.28% | 2.27% | 4.24% |
| 2024-12-31 | 6.74% | 1.78% | 0.26% | 2.23% | 4.23% |
| 2024-09-30 | 8.38% | 1.97% | 0.28% | 1.97% | 4.09% |
| 2024-06-30 | 7.34% | 1.92% | 0.29% | 2.31% | 4.12% |
| 2024-03-31 | 6.68% | 1.50% | 0.30% | 2.53% | 4.00% |
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Frequently asked about FIRST IOWA STATE BANK
What are First Iowa State Bank's total assets?
As of the Q4 2025 filing, First Iowa State Bank reported total assets of $380.3 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is First Iowa State Bank headquartered?
First Iowa State Bank is headquartered in ALBIA, IA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was First Iowa State Bank founded?
First Iowa State Bank was established in 1930, per the FDIC institution directory.
Is First Iowa State Bank FDIC-insured?
Yes. First Iowa State Bank is an FDIC-insured commercial bank (FDIC Certificate #14930). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Iowa State Bank?
First Iowa State Bank's primary federal regulator is the FED. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is First Iowa State Bank's CET1 capital ratio?
First Iowa State Bank reported a Common Equity Tier 1 (CET1) capital ratio of 7.96% in its most recent quarterly filing — above the regulatory minimum but inside the capital conservation buffer.
How many branches does First Iowa State Bank operate?
First Iowa State Bank operates 6 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is First Iowa State Bank's Texas Ratio?
First Iowa State Bank's Texas Ratio is 11.07% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.