Bank 1st
West Union, IA · Cert 13816 · Peer group: banks under $1B in assets in IA (n=134-135) · FNB Banshares Inc.
State charter, Fed member · FED · 3 branches
Q2 2026
$166.1MAssets
$96.9MLoans
$128.6MDeposits
$17.3MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in IA (rank 45 of 134).
- Widest gap: efficiency ratio trails 66% of banks under $1B in assets in IA (rank 90 of 135).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.07%
Rank 82 of 135
Net Interest Margin
3.34%
Rank 74 of 135
Efficiency Ratio
60.93%
Rank 90 of 135
Equity / Assets
10.43%
Rank 81 of 135
Non-interest income vs. expense
Unfavorable gap of $3.2M · efficiency ratio beats 34% of banks under $1B in assets in IA | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.07% | 0.92% | 1.19% | 1.47% | Beats 39% | 82 / 135 | |
| Return on Equity | 10.26% | 7.99% | 10.26% | 13.14% | Beats 50% | 68 / 135 | |
| Net Interest Margin | 3.34% | 2.95% | 3.41% | 3.73% | Beats 45% | 74 / 135 | |
| Efficiency Ratio | 60.93% | 50.61% | 57.35% | 63.29% | Beats 34% | 90 / 135 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.03% | 0.51% | 1.26% | Beats 84% | 23 / 134 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.03% | Beats 100% | 45 / 134 | |
| Capital |
| Tier 1 Capital Ratio | 15.20% | 11.23% | 13.31% | 15.45% | Beats 72% | 38 / 135 | |
| Total Risk-Based Capital Ratio | 15.20% | 11.61% | 14.06% | 16.47% | Beats 64% | 48 / 135 | |
| Equity / Assets | 10.43% | 9.87% | 11.05% | 13.07% | Beats 40% | 81 / 135 | |
| Liquidity & Funding |
| Loans / Deposits | 75.33% | 68.54% | 81.55% | 91.24% | 37th pctl | 85 / 134 | |
| Loans / Assets | 58.33% | 57.61% | 68.06% | 76.23% | 25th pctl | 101 / 135 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |