First Trust & Savings Bank
Coralville, IA · Cert 10123 · Peer group: banks under $1B in assets operating in a single state (n=870-877)
FDIC · 2 branches
Q2 2025
$52.6MAssets
$11.3MLoans
$46.5MDeposits
$3.8MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 207 of 870).
- Widest gap: efficiency ratio trails 98% of banks under $1B in assets operating in a single state (rank 858 of 877).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
-0.38%
Rank 847 of 877
Net Interest Margin
1.91%
Rank 849 of 877
Efficiency Ratio
125.04%
Rank 858 of 877
Equity / Assets
7.31%
Rank 748 of 877
Non-interest income vs. expense
Unfavorable gap of $1.3M · efficiency ratio beats 2% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.38% | 0.59% | 0.91% | 1.33% | Beats 3% | 847 / 877 | |
| Return on Equity | -5.25% | 5.70% | 9.44% | 12.92% | Beats 3% | 849 / 875 | |
| Net Interest Margin | 1.91% | 2.93% | 3.45% | 4.01% | Beats 3% | 849 / 877 | |
| Efficiency Ratio | 125.04% | 58.83% | 68.07% | 78.03% | Beats 2% | 858 / 877 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.46% | 0.06% | 0.40% | 1.05% | Beats 16% | 733 / 870 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 207 / 870 | |
| Capital |
| Tier 1 Capital Ratio | 10.15% | 11.42% | 13.82% | 17.56% | Beats 10% | 790 / 877 | |
| Total Risk-Based Capital Ratio | 10.15% | 11.77% | 14.35% | 18.30% | Beats 9% | 795 / 877 | |
| Equity / Assets | 7.31% | 8.27% | 10.06% | 12.60% | Beats 15% | 748 / 877 | |
| Liquidity & Funding |
| Loans / Deposits | 24.39% | 61.05% | 77.58% | 89.60% | 2nd pctl | 862 / 877 | |
| Loans / Assets | 21.54% | 53.01% | 66.67% | 76.13% | 1st pctl | 860 / 870 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |