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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 211.71 percentage points lower than in Q1 2026, at 508.33%. Among 225 Iowa banks, First State Bank sits 21st from the top on return on assets, 2.21% as of Q2 2026. First State Bank's return on assets of 2.21% is well above the 1.26% median for banks in the $100M-1B asset tier, a gap of 0.95 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.77% |
| Equity capital to assets | 10.86% |
| Tangible equity to tangible assets | 9.69% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.21% |
| Non-performing assets ratio | 0.16% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 1.54% |
| Allowance for credit losses to loans | 1.05% |
| Reserve coverage of non-performing loans | 508.33% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.21% |
| Return on equity | 21.06% |
| Net interest margin | 4.19% |
| Efficiency ratio | 42.95% |
| Yield on earning assets | 6.01% |
| Cost of funds | 2.15% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 96.61% |
| Core deposits to total deposits | 95.50% |
| Brokered deposits to total deposits | 2.75% |
| Deposits to assets | 80.17% |
| Securities to assets | 18.12% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 14.24% | 14.24% | 15.34% | 10.24% | 0.92% |
| Q4 2023 | 13.69% | 13.69% | 14.75% | 10.09% | 0.70% |
| Q1 2024 | 13.98% | 13.98% | 15.04% | 10.31% | 1.32% |
| Q2 2024 | 13.74% | 13.74% | 14.78% | 10.13% | 1.04% |
| Q3 2024 | 11.70% | 11.70% | 12.73% | 9.26% | 1.00% |
| Q4 2024 | 11.94% | 11.94% | 12.97% | 8.71% | 1.85% |
| Q1 2025 | 10.93% | 10.93% | 11.83% | 9.10% | 1.61% |
| Q2 2025 | — | — | — | 9.44% | 1.82% |
| Q3 2025 | — | — | — | 9.78% | 1.90% |
| Q4 2025 | — | — | — | 9.79% | 1.82% |
| Q1 2026 | — | — | — | 9.46% | 1.99% |
| Q2 2026 | — | — | — | 9.77% | 2.21% |
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 5821) · FFIEC NIC profile (RSSD 677448)