First State Bank
Lynnville, IA · Cert 5821 · Peer group: banks under $1B in assets in the Des Moines-West Des Moines, IA area (n=18-19) · First State Bank Holding Co.
State charter, non-member · FDIC · 7 branches
Q2 2026
$384.2MAssets
$297.6MLoans
$308.1MDeposits
$41.7MEquity
Executive Summary
- Strongest standing: return on equity outperforms 89% of banks under $1B in assets in the Des Moines-West Des Moines, IA area (rank 2 of 19).
- Widest gap: total risk-based capital ratio trails 89% of banks under $1B in assets in the Des Moines-West Des Moines, IA area (rank 17 of 19).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.71%
Rank 3 of 19
Net Interest Margin
3.95%
Rank 2 of 19
Efficiency Ratio
45.24%
Rank 3 of 19
Equity / Assets
10.86%
Rank 6 of 19
Non-interest income vs. expense
Unfavorable gap of $6.3M · efficiency ratio beats 89% of banks under $1B in assets in the Des Moines-West Des Moines, IA area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.71% | 1.05% | 1.15% | 1.42% | Beats 84% | 3 / 19 | |
| Return on Equity | 15.78% | 10.97% | 12.15% | 13.79% | Beats 89% | 2 / 19 | |
| Net Interest Margin | 3.95% | 3.08% | 3.50% | 3.67% | Beats 89% | 2 / 19 | |
| Efficiency Ratio | 45.24% | 52.38% | 57.82% | 63.73% | Beats 89% | 3 / 19 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.21% | n/a | 0.21% | 0.91% | Beats 50% | 10 / 18 | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.01% | Beats 33% | 13 / 18 | |
| Capital |
| Tier 1 Capital Ratio | 9.77% | 10.79% | 12.38% | 16.13% | Beats 11% | 17 / 19 | |
| Total Risk-Based Capital Ratio | 9.77% | 11.60% | 13.40% | 17.04% | Beats 11% | 17 / 19 | |
| Equity / Assets | 10.86% | 8.64% | 9.66% | 11.07% | Beats 68% | 6 / 19 | |
| Liquidity & Funding |
| Loans / Deposits | 96.61% | 65.91% | 76.09% | 88.00% | 84th pctl | 3 / 19 | |
| Loans / Assets | 77.46% | 57.37% | 63.36% | 76.16% | 79th pctl | 4 / 19 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |