First State Bank
Belmond, IA · Cert 5791 · Peer group: banks under $1B in assets in IA (n=134-135) · First Belmond Bcorp
State charter, non-member · FDIC · 1 affiliate bank · 1 branch (2 in holding)
Q2 2026
$141.7MAssets
$62.6MLoans
$117.8MDeposits
$13.4MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in IA (rank 45 of 134).
- Widest gap: net interest margin trails 97% of banks under $1B in assets in IA (rank 131 of 135).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.71%
Rank 115 of 135
Net Interest Margin
2.14%
Rank 131 of 135
Efficiency Ratio
57.45%
Rank 69 of 135
Equity / Assets
9.45%
Rank 107 of 135
Non-interest income vs. expense
Unfavorable gap of $1.5M · efficiency ratio beats 50% of banks under $1B in assets in IA | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.71% | 0.92% | 1.19% | 1.47% | Beats 15% | 115 / 135 | | |
| Return on Equity | 7.55% | 7.99% | 10.26% | 13.14% | Beats 21% | 107 / 135 | | |
| Net Interest Margin | 2.14% | 2.95% | 3.41% | 3.73% | Beats 3% | 131 / 135 | | |
| Efficiency Ratio | 57.45% | 50.61% | 57.35% | 63.29% | Beats 50% | 69 / 135 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.92% | 0.03% | 0.51% | 1.26% | Beats 31% | 93 / 134 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.03% | Beats 100% | 45 / 134 | | |
| Capital |
| Tier 1 Capital Ratio | 11.23% | 11.23% | 13.31% | 15.45% | Beats 24% | 102 / 135 | | |
| Total Risk-Based Capital Ratio | 11.23% | 11.61% | 14.06% | 16.47% | Beats 21% | 107 / 135 | | |
| Equity / Assets | 9.45% | 9.87% | 11.05% | 13.07% | Beats 21% | 107 / 135 | | |
| Liquidity & Funding |
| Loans / Deposits | 53.14% | 68.54% | 81.55% | 91.24% | 8th pctl | 123 / 134 | | |
| Loans / Assets | 44.17% | 57.61% | 68.06% | 76.23% | 9th pctl | 123 / 135 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |