PackageTrendsPeer
Letter portraitLegal landscape

First State Bank

Stuart, IA · Cert 16177 · Peer group: banks under $1B in assets in the Des Moines-West Des Moines, IA area (n=18-19)

State charter, non-member · FDIC · 4 branches

Q2 2026

$129.7MAssets
$55.3MLoans
$114.0MDeposits
$15.6MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 89% of banks under $1B in assets in the Des Moines-West Des Moines, IA area (rank 2 of 19).
  • Widest gap: return on equity trails 95% of banks under $1B in assets in the Des Moines-West Des Moines, IA area (rank 18 of 19).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.15%

Rank 10 of 19

Net Interest Margin

3.67%

Rank 5 of 19

Efficiency Ratio

61.86%

Rank 11 of 19

Equity / Assets

12.03%

Rank 4 of 19

Non-interest income vs. expense

$0.3M$3.1MINCOMEEXPENSE
Unfavorable gap of $2.9M · efficiency ratio beats 47% of banks under $1B in assets in the Des Moines-West Des Moines, IA area
Bank 61.86%Peer median 57.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.15%1.05%1.15%1.42%Beats 47%10 / 19
Return on Equity9.53%10.97%12.15%13.79%Beats 5%18 / 19
Net Interest Margin3.67%3.08%3.50%3.67%Beats 74%5 / 19
Efficiency Ratio61.86%52.38%57.82%63.73%Beats 47%11 / 19
Asset Quality
Nonperforming Loans / Loans0.03%n/a0.21%0.91%Beats 67%7 / 18
Net Charge-Offs / Loans0.01%0.00%0.01%0.01%Beats 56%9 / 18
Capital
Tier 1 Capital Ratio27.80%10.79%12.38%16.13%Beats 89%2 / 19
Total Risk-Based Capital Ratio29.07%11.60%13.40%17.04%Beats 89%2 / 19
Equity / Assets12.03%8.64%9.66%11.07%Beats 79%4 / 19
Liquidity & Funding
Loans / Deposits48.56%65.91%76.09%88.00%5th pctl18 / 19
Loans / Assets42.66%57.37%63.36%76.16%5th pctl18 / 19
Brokered Deposits / Depositsn/aNot reported for this institution