FIRST STATE BANK

BRITT, IA | Small | Est. Nov. 12, 1927, midnight | FDIC #8522 | RSSD #795249 | FDIC
Latest Report: 2025-12-31

FIRST STATE BANK is asn small FDIC-insured commercial bank headquartered in BRITT, IA, established in Nov. 12, 1927, midnight. As of 2025-12-31, the bank reported total assets of $131M and total deposits of $107M. Profitability stands at 1.41% ROA and 9.01% ROE, with a net interest margin of 3.05%. The bank's CET1 capital ratio is 15.45%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #8522.

Assets

$131M

Deposits

$107M

Loans

$61M

Equity

$20M

Profitability

Return on Assets (ROA) 1.41%
Return on Equity (ROE) 9.01%
Net Interest Margin (NIM) 3.05%
Yield on Assets 4.80%
Cost of Funds 1.97%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 1.36%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 1.15%

Capital & Liquidity

CET1 Ratio 15.45%
Tier 1 Capital 15.45%
Total Capital Ratio 16.22%
Leverage Ratio 16.73%
Loan-to-Deposit 57.10%

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