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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

$0.1M$1.3MINCOMEEXPENSE
Unfavorable gap of $1.1M · efficiency ratio beats 88% of banks under $1B in assets in IA
Bank 44.09%Peer median 57.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.60%0.92%1.19%1.47%Beats 83%23 / 135
Return on Equity14.87%7.99%10.26%13.14%Beats 84%21 / 135
Net Interest Margin3.70%2.95%3.41%3.73%Beats 72%38 / 135
Efficiency Ratio44.09%50.61%57.35%63.29%Beats 88%17 / 135
Asset Quality
Nonperforming Loans / Loans0.00%0.03%0.51%1.26%Beats 100%21 / 134
Net Charge-Offs / Loans0.00%n/a0.01%0.03%Beats 100%45 / 134
Capital
Tier 1 Capital Ratio10.71%11.23%13.31%15.45%Beats 15%115 / 135
Total Risk-Based Capital Ratio10.71%11.61%14.06%16.47%Beats 13%118 / 135
Equity / Assets10.75%9.87%11.05%13.07%Beats 44%76 / 135
Liquidity & Funding
Loans / Deposits90.38%68.54%81.55%91.24%70th pctl40 / 134
Loans / Assets76.96%57.61%68.06%76.23%77th pctl31 / 135
Brokered Deposits / Depositsn/aNot reported for this institution