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First State Bank
Webster City, IA · FDIC Certificate #15321 · Chartered 10/1
Total assets
$674.29M
Total deposits
$572.19M
Total equity
$78.89M
Net loans
$494.90M
Branches (offices)
8
Net income (YTD)
$4.45M
Rank: #1,410 of 4,213 U.S. banks by assets · #40 of 225 in Iowa. Assets changed 10.8% and deposits 11.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.38% |
| Return on equity | 11.42% |
| Net interest margin (YTD) | 3.23% |
| Equity to assets | 11.70% |
| Tier 1 leverage ratio | 12.40% |
| Uninsured deposits (share of deposits) | 22.4% |
| Noncurrent loans (share of loans) | 0.12% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 86.5% |
| Real estate loans (share of loans) | 65.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $324.61M | 65.6% | |
| Commercial & industrial | $44.07M | 8.9% | |
| Consumer / individual | $2.00M | 0.4% | |
| Construction & development | $19.27M | 3.9% | |
| Agricultural | $129.37M | 26.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $565.35M | $491.27M | $3.04M | $59.11M |
| Jun 2023 | $567.35M | $477.29M | $2.49M | $63.35M |
| Jun 2024 | $575.27M | $481.73M | $2.25M | $67.18M |
| Jun 2025 | $608.58M | $512.03M | $2.92M | $71.99M |
| Jun 2026 | $674.29M | $572.19M | $4.45M | $78.89M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Iowa | $572.19M | 8 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $572.19M.
Similar-sized banks
Ps Bank ($674.54M) · New Tripoli Bank ($673.98M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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