FIRST STATE BANK

BELMOND, IA | Small | Est. July 1, 1933, midnight | FDIC #5791 | RSSD #854847 | FDIC
Latest Report: 2025-12-31

FIRST STATE BANK is asn small FDIC-insured commercial bank headquartered in BELMOND, IA, established in July 1, 1933, midnight. As of 2025-12-31, the bank reported total assets of $149M and total deposits of $113M. Profitability stands at 0.72% ROA and 7.91% ROE, with a net interest margin of 2.23%. The bank's CET1 capital ratio is 8.93%. Asset quality metrics show a non-performing loan ratio of 0.63% and a Texas Ratio of 3.04%. FDIC Certificate #5791.

Assets

$149M

Deposits

$113M

Loans

$66M

Equity

$13M

Profitability

Return on Assets (ROA) 0.72%
Return on Equity (ROE) 7.91%
Net Interest Margin (NIM) 2.23%
Yield on Assets 4.26%
Cost of Funds 2.49%

Asset Quality

NPL Ratio 0.63%
Net Charge-Off Ratio 0.10%
Texas Ratio 3.04%
NPA Ratio 0.28%
ACL / Loans 0.79%

Capital & Liquidity

CET1 Ratio 8.93%
Tier 1 Capital 8.93%
Total Capital Ratio 9.38%
Leverage Ratio 11.31%
Loan-to-Deposit 58.73%

This is just the summary

The full dashboard covers 4,313 currently filing institutions with CAMELS analytics, peer benchmarks, and exportable tearsheets.

24+ years of history
Excel tearsheet exports
Peer benchmarking
Risk & failure probability
Create Free Account

No credit card required