First State Bank
Nashua, IA · Cert 57910 · Peer group: banks under $1B in assets in IA (n=134-135) · Readlyn Bancshares Inc.
State charter, non-member · FDIC · 2 affiliate banks · 1 branch (5 in holding)
Q2 2026
$72.5MAssets
$55.8MLoans
$61.7MDeposits
$7.8MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in IA (rank 21 of 134).
- Widest gap: total risk-based capital ratio trails 87% of banks under $1B in assets in IA (rank 118 of 135).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.60%
Rank 23 of 135
Net Interest Margin
3.70%
Rank 38 of 135
Efficiency Ratio
44.09%
Rank 17 of 135
Equity / Assets
10.75%
Rank 76 of 135
Non-interest income vs. expense
Unfavorable gap of $1.1M · efficiency ratio beats 88% 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 | 1.60% | 0.92% | 1.19% | 1.47% | Beats 83% | 23 / 135 | |
| Return on Equity | 14.87% | 7.99% | 10.26% | 13.14% | Beats 84% | 21 / 135 | |
| Net Interest Margin | 3.70% | 2.95% | 3.41% | 3.73% | Beats 72% | 38 / 135 | |
| Efficiency Ratio | 44.09% | 50.61% | 57.35% | 63.29% | Beats 88% | 17 / 135 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.03% | 0.51% | 1.26% | Beats 100% | 21 / 134 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.03% | Beats 100% | 45 / 134 | |
| Capital |
| Tier 1 Capital Ratio | 10.71% | 11.23% | 13.31% | 15.45% | Beats 15% | 115 / 135 | |
| Total Risk-Based Capital Ratio | 10.71% | 11.61% | 14.06% | 16.47% | Beats 13% | 118 / 135 | |
| Equity / Assets | 10.75% | 9.87% | 11.05% | 13.07% | Beats 44% | 76 / 135 | |
| Liquidity & Funding |
| Loans / Deposits | 90.38% | 68.54% | 81.55% | 91.24% | 70th pctl | 40 / 134 | |
| Loans / Assets | 76.96% | 57.61% | 68.06% | 76.23% | 77th pctl | 31 / 135 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |