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 Loan-to-deposit ratio: 3.91 percentage points lower than in Q1 2026, at 55.32%. Within Iowa, First State Bank is 90th of 225 on return on assets, 1.52% as of Q2 2026, above the middle of the field. First State Bank reported 1.52% on return on assets for Q2 2026, 0.27 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 17.71% |
| Equity capital to assets | 16.57% |
| Tangible equity to tangible assets | 16.57% |
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 | 1.24% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.52% |
| Return on equity | 9.31% |
| Net interest margin | 2.98% |
| Efficiency ratio | 37.08% |
| Yield on earning assets | 4.59% |
| Cost of funds | 1.90% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 55.32% |
| Core deposits to total deposits | 84.63% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 81.62% |
| Securities to assets | 39.10% |
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 | 14.90% | 1.42% | 3.01% | 0.00% | 0.00% |
| Q4 2023 | 15.18% | 1.53% | 3.10% | 0.00% | 0.00% |
| Q1 2024 | 15.47% | 1.60% | 3.09% | 0.00% | 0.00% |
| Q2 2024 | 15.59% | 1.63% | 3.01% | 0.00% | 0.00% |
| Q3 2024 | 15.73% | 1.28% | 2.93% | 0.00% | 0.00% |
| Q4 2024 | 15.55% | 1.40% | 2.88% | 0.00% | 0.00% |
| Q1 2025 | 16.62% | 1.45% | 2.86% | 2.00% | 0.00% |
| Q2 2025 | 16.39% | -0.10% | 2.87% | 0.53% | 4.37% |
| Q3 2025 | 16.72% | 1.39% | 2.93% | 0.14% | 0.51% |
| Q4 2025 | 16.73% | 1.40% | 2.92% | 0.00% | 0.51% |
| Q1 2026 | 16.82% | 1.35% | 2.84% | 0.00% | 0.00% |
| Q2 2026 | 17.71% | 1.52% | 2.98% | 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 8522) · FFIEC NIC profile (RSSD 795249)