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First Trust And Savings Bank
Wheatland, IA · FDIC Certificate #8752 · Chartered 01/0
Total assets
$320.62M
Total deposits
$271.61M
Total equity
$32.27M
Net loans
$273.70M
Branches (offices)
8
Net income (YTD)
$2.39M
Rank: #2,372 of 4,213 U.S. banks by assets · #98 of 225 in Iowa. Assets changed 15.0% and deposits 14.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.53% |
| Return on equity | 15.14% |
| Net interest margin (YTD) | 4.02% |
| Equity to assets | 10.07% |
| Tier 1 leverage ratio | 10.70% |
| Uninsured deposits (share of deposits) | 27.2% |
| Noncurrent loans (share of loans) | 3.21% |
| Net charge-offs (share of loans) | 0.02% |
| Loans to deposits | 100.8% |
| Real estate loans (share of loans) | 52.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $142.24M | 52.0% | |
| Commercial & industrial | $31.03M | 11.3% | |
| Consumer / individual | $8.68M | 3.2% | |
| Construction & development | $6.57M | 2.4% | |
| Agricultural | $94.90M | 34.7% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $237.17M | $212.07M | $488.00K | $22.62M |
| Jun 2023 | $243.54M | $204.34M | $1.33M | $24.49M |
| Jun 2024 | $262.82M | $215.31M | $1.64M | $26.56M |
| Jun 2025 | $278.92M | $236.56M | $1.83M | $29.14M |
| Jun 2026 | $320.62M | $271.61M | $2.39M | $32.27M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Iowa | $271.61M | 8 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $271.61M.
Similar-sized banks
Abacus Federal Savings Bank ($320.73M) · Gateway Bank ($319.55M)
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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