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First State Bank
Stuart, IA · FDIC Certificate #16177 · Chartered 01/0
Total assets
$129.71M
Total deposits
$113.95M
Total equity
$15.60M
Net loans
$54.13M
Branches (offices)
4
Net income (YTD)
$743.00K
Rank: #3,464 of 4,213 U.S. banks by assets · #178 of 225 in Iowa. Assets changed 6.1% and deposits 6.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.15% |
| Return on equity | 9.75% |
| Net interest margin (YTD) | 3.86% |
| Equity to assets | 12.03% |
| Tier 1 leverage ratio | 11.95% |
| Uninsured deposits (share of deposits) | 22.6% |
| Noncurrent loans (share of loans) | 0.03% |
| Net charge-offs (share of loans) | -0.01% |
| Loans to deposits | 47.5% |
| Real estate loans (share of loans) | 82.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $44.88M | 82.9% | |
| Commercial & industrial | $3.73M | 6.9% | |
| Consumer / individual | $2.36M | 4.4% | |
| Construction & development | $743.00K | 1.4% | |
| Agricultural | $4.31M | 8.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $142.22M | $131.43M | $53.00K | $10.71M |
| Jun 2023 | $136.16M | $124.54M | $219.00K | $11.47M |
| Jun 2024 | $122.49M | $109.57M | $402.00K | $12.66M |
| Jun 2025 | $122.23M | $107.50M | $947.00K | $14.38M |
| Jun 2026 | $129.71M | $113.95M | $743.00K | $15.60M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Iowa | $113.95M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $113.95M.
Similar-sized banks
Minnesota Lakes Bank ($129.76M) · The Baltic State Bank ($129.58M)
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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