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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

$0.1M$1.4MINCOMEEXPENSE
Unfavorable gap of $1.3M · efficiency ratio beats 2% of banks under $1B in assets operating in a single state
Bank 125.04%Peer median 68.1%Q2 2024Q2 2025Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer 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 Margin1.91%2.93%3.45%4.01%Beats 3%849 / 877
Efficiency Ratio125.04%58.83%68.07%78.03%Beats 2%858 / 877
Asset Quality
Nonperforming Loans / Loans1.46%0.06%0.40%1.05%Beats 16%733 / 870
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 100%207 / 870
Capital
Tier 1 Capital Ratio10.15%11.42%13.82%17.56%Beats 10%790 / 877
Total Risk-Based Capital Ratio10.15%11.77%14.35%18.30%Beats 9%795 / 877
Equity / Assets7.31%8.27%10.06%12.60%Beats 15%748 / 877
Liquidity & Funding
Loans / Deposits24.39%61.05%77.58%89.60%2nd pctl862 / 877
Loans / Assets21.54%53.01%66.67%76.13%1st pctl860 / 870
Brokered Deposits / Depositsn/aNot reported for this institution