The First National Bank of Primghar
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Data as of · sourced from FFIEC call reports. How we update
The First National Bank of Primghar is an FDIC-insured commercial bank headquartered in Primghar, IA, established in 1889 (FDIC certificate 4494), and it is supervised by the OCC. At Q2 2026 it reported total assets of $36.3M, up 2.1% from Q2 2025, the 222nd largest of 225 banks headquartered in Iowa. Its CET1 capital ratio was 16.77% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 4494
- Headquarters
- Primghar, IA
- Established
- 1889
- Total assets, Q2 2026
- $36.3M
- Assets vs Q2 2025
- +2.1%
- CET1 ratio, Q2 2026
- 16.77%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 073907855
- Latest call report
- Q2 2026, FFIEC 041 · The First National Bank of Primghar Q3 2026 call report, filed October 16, 2026 (preliminary)
- Asset rank in state
- 222nd of 225 in Iowa
The First National Bank of Primghar, based in Primghar, Iowa, reported $36 million in assets at June 30, 2026, up 2.1% from a year earlier. It carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 of the 533 banks with less than $100 million in assets (median 1.9%). It also grew its loan book 11.6% over the year, 4.5 times the median of 2.6% for banks its size.
Loans are outrunning deposits: over the year loans rose 11.6% and deposits rose 2.8%. Funding is the softer spot: it pays an average of 2.12% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.53%).
As of June 30, 2026, The First National Bank of Primghar reported a CET1 capital ratio of 16.77%, a return on assets of 0.97%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
The First National Bank of Primghar ranks as the 222nd largest of the 225 banks based in Iowa, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 4.2% to $36.3M, loans fell 1.9% and deposits fell 3.2%. The largest part of its loan book on June 30, 2026 was farmland and other real estate loans, at 52.6% of total loans, ahead of agricultural production loans at 23.3%. Its one office in the FDIC Summary of Deposits is in Primghar, IA. Judged on its Q2 2026 call report, The First National Bank of Primghar meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 108 S Hayes Ave, Primghar, IA 51245
- County
- O'Brien
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- November 11, 1889
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 7
- Domestic deposits
- $29.9M
- Allowance for credit losses
- $300K
- Net charge-offs (YTD)
- $0
- Average total assets
- $37.2M
- Average total loans
- $27.4M
- Average interest-bearing deposits
- $24.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 4494
- Fed RSSD
- 343248
- Website
- www.fnbprimghar.com →
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
The First National Bank of Primghar's total assets moved between a low of $35.6M (Q2 2025) and a high of $40.4M (Q4 2023) from Q3 2023 to Q2 2026, and it earned a profit in 8 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$36.3M total assets against $35.6M; $31.1M total liabilities against $30.6M.
$27.0M net loans and leases against $24.2M; $29.9M total deposits against $29.1M.
$7.5M securities against $9.6M; $1.1M cash and balances due against $1.0M.
$506K total interest income against $449K; $169K total interest expense against $194K.
$337K net interest income against $255K.
$8K total noninterest income against $13K; $244K total noninterest expense against $250K.
No provision recorded in the last 12 quarters.
$90K net income against $17K.
0.97% return on assets against 0.19%; 3.81% net interest margin against 2.95%.
16.77% CET1 capital ratio against 17.90%; 14.25% tier 1 leverage ratio against 14.11%.
Inside the full The First National Bank of Primghar terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -0.03% (Q4 2024) to 1.26% (Q1 2025) and its net interest margin ran from 2.57% (Q4 2024) to 3.81% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.77% | 0.97% | 0.00% | 0.00% | 3.81% |
| Q1 2026 | 15.81% | 0.78% | 0.00% | 0.00% | 3.51% |
| Q4 2025 | 15.46% | 0.00% | 0.00% | 0.00% | 3.28% |
| Q3 2025 | 17.86% | 0.63% | 0.00% | 0.00% | 3.27% |
| Q2 2025 | 17.90% | 0.19% | 0.00% | 0.00% | 2.95% |
| Q1 2025 | 16.27% | 1.26% | 0.00% | 0.00% | 2.66% |
| Q4 2024 | 16.28% | -0.03% | 0.00% | 0.00% | 2.57% |
| Q3 2024 | 18.16% | 0.12% | 0.00% | 0.00% | 2.87% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The First National Bank of Primghar | Primghar , IA | 51245 | $29.9M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IA, rank 253 of 261 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about The First National Bank of Primghar
What are The First National Bank of Primghar's total assets?
As of the Q2 2026 filing, The First National Bank of Primghar reported total assets of $36.3 million in its FFIEC call report.
Where is The First National Bank of Primghar headquartered?
It is headquartered in Primghar, IA, United States.
When was The First National Bank of Primghar founded?
It was established in 1889, per the FDIC institution directory.
Is The First National Bank of Primghar FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #4494). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The First National Bank of Primghar?
The First National Bank of Primghar's primary federal regulator is the OCC.
What is The First National Bank of Primghar's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 16.77% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The First National Bank of Primghar operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The First National Bank of Primghar's Texas Ratio?
Its Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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