FIRST STATE BANK OF GOLVA

GOLVA, ND | Small | Est. June 1, 1914, midnight | FDIC #10243 | RSSD #931159 | FDIC
Latest Report: 2025-12-31

FIRST STATE BANK OF GOLVA is asn small FDIC-insured commercial bank headquartered in GOLVA, ND, established in June 1, 1914, midnight. As of 2025-12-31, the bank reported total assets of $117M and total deposits of $109M. Profitability stands at 2.65% ROA and 40.25% ROE, with a net interest margin of 4.32%. The bank's CET1 capital ratio is 17.24%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 2.94% and a Texas Ratio of 15.94%. FDIC Certificate #10243.

Assets

$117M

Deposits

$109M

Loans

$46M

Equity

$8M

Profitability

Return on Assets (ROA) 2.65%
Return on Equity (ROE) 40.25%
Net Interest Margin (NIM) 4.32%
Yield on Assets 5.18%
Cost of Funds 0.85%

Asset Quality

NPL Ratio 2.94%
Net Charge-Off Ratio --
Texas Ratio 15.94%
NPA Ratio 1.16%
ACL / Loans 0.90%

Capital & Liquidity

CET1 Ratio 17.24%
Tier 1 Capital 17.24%
Total Capital Ratio 18.22%
Leverage Ratio 9.78%
Loan-to-Deposit 42.54%

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