Lynnville, IA · Cert 5821 · First State Bank Holding Co.
State charter, non-member · FDIC · 7 branches
Q2 2026
Market Position · Des Moines-West Des Moines, IA · 2026 SOD (annual) · 0.3% share · #35 of 57 inst. · $0.1B of $38.0B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.81% | 1.58% | 1.29% | 1.49% | 1.57% | 1.51% | 1.61% | 1.81% | +32 bps | |
| Return on Equity | 8.27% | 16.37% | 13.28% | 14.84% | 14.83% | 13.92% | 15.31% | 17.17% | +233 bps | |
| Net Interest Margin | 2.82% | 3.23% | 3.33% | 3.54% | 3.66% | 3.90% | 3.90% | 4.08% | +54 bps | |
| Efficiency Ratio | 65.17% | 54.04% | 54.45% | 49.77% | 48.05% | 48.17% | 47.12% | 43.43% | -634 bps | |
| Non-Interest Burden | 1.71% | 1.55% | 1.65% | 1.59% | 1.56% | 1.71% | 1.64% | 1.61% | +2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.23% | 8.57% | 10.81% | 10.19% | 3.00% | 5.49% | 6.16% | 4.78% | -541 bps | |
| Loan Growth (YoY) | 17.56% | 11.02% | 8.42% | 9.47% | 4.74% | 11.60% | 12.80% | 15.62% | +615 bps | |
| Deposit Growth (YoY) | 14.01% | 11.65% | 15.45% | 12.88% | -1.39% | 3.52% | 8.24% | 5.59% | -729 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.88% | 0.12% | 0.22% | 0.28% | 0.26% | 0.15% | 0.15% | 0.21% | -7 bps | |
| Net Charge-Offs / Loans | 0.05% | -0.45% | 0.00% | -0.01% | 0.00% | 0.05% | 0.02% | 0.00% | +1 bps | |
| Allowance / Loans | 1.07% | 1.07% | 1.07% | 1.05% | 1.03% | 1.02% | 1.05% | 1.05% | 0 bps | |
| Allowance Coverage of NPLs | 1.2x | 9.2x | 4.8x | 3.8x | 4.0x | 7.0x | 7.2x | 5.1x | +1.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.26% | 8.71% | 9.10% | 9.44% | 9.78% | 9.79% | 9.46% | 9.77% | +34 bps | |
| Total Risk-Based Capital | 12.73% | 12.97% | 11.83% | 9.44% | 9.78% | 9.79% | 9.46% | 9.77% | +34 bps | |
| Equity / Assets | 9.61% | 9.64% | 9.80% | 10.29% | 10.83% | 10.82% | 10.20% | 10.86% | +57 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.08% | 88.47% | 87.33% | 88.23% | 93.56% | 95.37% | 91.02% | 96.61% | +838 bps | |
| Liquid Assets / Assets | 9.80% | 8.80% | 7.79% | 7.31% | 6.43% | 5.07% | 4.19% | 3.54% | -377 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 69.89% | 64.68% | 65.94% | n/a | n/a | |