First Security State Bank
Evansdale, IA · Cert 18508 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Evans Bancshares Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
$87.3MAssets
$62.2MLoans
$74.1MDeposits
$12.4MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 82% of banks under $1B in assets operating in a single state (rank 131 of 746).
- Widest gap: nonperforming loans / loans trails 95% of banks under $1B in assets operating in a single state (rank 704 of 743).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.84%
Rank 494 of 746
Net Interest Margin
3.64%
Rank 387 of 746
Efficiency Ratio
72.21%
Rank 512 of 746
Equity / Assets
14.24%
Rank 131 of 746
Non-interest income vs. expense
Unfavorable gap of $2.3M · efficiency ratio beats 32% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.84% | 0.72% | 1.06% | 1.45% | Beats 34% | 494 / 746 | | |
| Return on Equity | 5.90% | 6.74% | 10.51% | 13.63% | Beats 21% | 588 / 746 | | |
| Net Interest Margin | 3.64% | 3.17% | 3.68% | 4.16% | Beats 48% | 387 / 746 | | |
| Efficiency Ratio | 72.21% | 55.74% | 64.58% | 75.47% | Beats 32% | 512 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 3.11% | 0.09% | 0.42% | 1.07% | Beats 5% | 704 / 743 | | |
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.01% | 0.05% | Beats 40% | 447 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 14.90% | 11.55% | 13.75% | 17.60% | Beats 60% | 296 / 746 | | |
| Total Risk-Based Capital Ratio | 14.90% | 11.71% | 14.33% | 18.43% | Beats 55% | 335 / 746 | | |
| Equity / Assets | 14.24% | 8.90% | 10.51% | 13.06% | Beats 82% | 131 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 83.94% | 61.31% | 78.27% | 90.78% | 63rd pctl | 279 / 746 | | |
| Loans / Assets | 71.26% | 53.60% | 66.97% | 76.08% | 60th pctl | 298 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |