First State Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Securities to assets climbed 2.06 percentage points in Q2 2026, from 4.65% to 6.71%. It was the largest change from Q1 2026 among the key lines here. Within Iowa, First State Bank is 56th of 225 on return on assets, 1.70% as of Q2 2026. Against a median of 1.00% for banks in the < $100M asset tier, First State Bank reported 1.70% on return on assets in Q2 2026, 0.70 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.71% |
| Equity capital to assets | 10.75% |
| Tangible equity to tangible assets | 10.75% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 0.95% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.70% |
| Return on equity | 16.19% |
| Net interest margin | 3.87% |
| Efficiency ratio | 42.08% |
| Yield on earning assets | 5.79% |
| Cost of funds | 1.99% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 90.38% |
| Core deposits to total deposits | 86.15% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 85.15% |
| Securities to assets | 6.71% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 11.12% | 1.21% | 3.35% | 0.00% | 0.00% |
| Q4 2023 | 10.64% | 1.20% | 3.34% | 0.00% | 0.00% |
| Q1 2024 | 10.83% | 1.15% | 3.21% | 0.00% | 0.00% |
| Q2 2024 | 10.91% | 1.30% | 3.27% | 0.00% | 0.00% |
| Q3 2024 | 10.63% | 1.22% | 3.16% | 0.00% | 0.00% |
| Q4 2024 | 10.32% | 1.29% | 3.21% | 0.00% | 0.00% |
| Q1 2025 | 10.66% | 1.30% | 3.28% | 0.00% | 0.00% |
| Q2 2025 | 10.97% | 1.56% | 3.67% | 0.00% | 0.00% |
| Q3 2025 | 11.48% | 1.61% | 3.82% | 0.00% | 0.00% |
| Q4 2025 | 11.22% | 1.54% | 3.92% | 0.00% | 0.00% |
| Q1 2026 | 10.85% | 1.51% | 3.88% | 0.00% | 0.00% |
| Q2 2026 | 10.71% | 1.70% | 3.87% | 0.00% | 0.00% |
First State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First State Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57910) · FFIEC NIC profile (RSSD 3285246)