FIRST STATE BANK

NEW LONDON, WI | Medium | Est. Jan. 1, 1911, midnight | FDIC #15271 | RSSD #801047 | FDIC
Latest Report: 2025-12-31

FIRST STATE BANK is amn medium FDIC-insured commercial bank headquartered in NEW LONDON, WI, established in Jan. 1, 1911, midnight. As of 2025-12-31, the bank reported total assets of $564M and total deposits of $457M. Profitability stands at 0.91% ROA and 10.29% ROE, with a net interest margin of 3.98%. The bank's CET1 capital ratio is 8.11%. Asset quality metrics show a non-performing loan ratio of 0.07% and a Texas Ratio of 0.53%. FDIC Certificate #15271.

Assets

$564M

Deposits

$457M

Loans

$383M

Equity

$48M

Profitability

Return on Assets (ROA) 0.91%
Return on Equity (ROE) 10.29%
Net Interest Margin (NIM) 3.98%
Yield on Assets 5.50%
Cost of Funds 1.54%

Asset Quality

NPL Ratio 0.07%
Net Charge-Off Ratio 0.01%
Texas Ratio 0.53%
NPA Ratio 0.05%
ACL / Loans 0.97%

Capital & Liquidity

CET1 Ratio 8.11%
Tier 1 Capital 8.11%
Total Capital Ratio 8.51%
Leverage Ratio 9.82%
Loan-to-Deposit 83.86%

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