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First State Bank

$100M-$1B Specialty: Other IA FDIC cert 5791

Belmond, IA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 167 in IA.
  • Deposits +15.8% year over year ($117.8M on the books).
  • Delinquency rate 0.93%.
  • Return on assets 0.71%.
  • Efficiency ratio 57.45% vs a 64.48% peer average.
  • Loan-to-deposit ratio 52.58% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 167 in IA
View $100M-$1B leaderboard (IA) →

First State Bank has 1 strength but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Efficiency Ratio 7.03% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 5.7% in tier
  • - Credit Quality Pressure: Bottom 36.2% in tier
  • - Net Interest Margin 1.76% below tier average
  • - ROA 0.61% below tier average
Get updates when First State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Total Assets ? $141.7M
+5.4% YoY +2.4% QoQ
-$244.9M $386.6M
+1.2% YoY
$566.2M
+5.8% YoY
$6.3B
+7.7% YoY
Bottom 11.9% in tier
Total Loans ? $61.9M
+3.2% YoY -2.5% QoQ
-$196.4M $258.3M
+1.7% YoY
$385.0M
+5.4% YoY
$3.2B
+9.4% YoY
Bottom 5.0% in tier
Total Deposits ? $117.8M
+15.8% YoY +1.0% QoQ
-$208.9M $326.7M
+0.7% YoY
$472.4M
+6.3% YoY
$4.9B
+7.3% YoY
Bottom 11.0% in tier
Return on Assets ? 0.71%
+22.3% YoY -7.3% QoQ
-0.61% 1.32%
+10.8% YoY
1.58%
+39.1% YoY
1.30%
+12.1% YoY
19%
Net Interest Margin ? 2.23%
+13.7% YoY +3.2% QoQ
-1.76% 3.99%
+5.0% YoY
3.58%
+9.0% YoY
3.95%
+4.9% YoY
Bottom 1.4% in tier
Efficiency Ratio ? 57.45%
-13.2% YoY +6.9% QoQ
-7.03% 64.48%
-3.2% YoY
57.74%
-6.0% YoY
70.05%
+2.5% YoY
65%
Delinquency Rate ? 0.93%
+4.7% YoY -4.7% QoQ
+0.01% 0.92%
+15.7% YoY
0.99%
+12.8% YoY
0.98%
+16.3% YoY
30%
Loan-to-Deposit Ratio ? 52.58%
-10.9% YoY -3.5% QoQ
-25.37% 77.95%
+1.0% YoY
80.39%
+2.7% YoY
79.03%
+2.3% YoY
Top 10.4% in tier
Non-Interest-Bearing Deposit Share ? 14.67%
+1.4% YoY +23.1% QoQ
-7.36% 22.03%
-0.6% YoY
17.72%
+0.8% YoY
21.98%
-0.6% YoY
23%
Nonperforming Asset Ratio ? 0.41%
+2.6% YoY -9.3% QoQ
-0.26% 0.67%
+16.4% YoY
0.63%
+7.9% YoY
0.69%
+15.8% YoY
44%
Tier 1 Capital Ratio ? 11.23%
-2.4% YoY +1.2% QoQ
-4.68% 15.91%
+1.4% YoY
14.69%
+3.0% YoY
17.09%
+0.8% YoY
26%
Non-Interest Income / Assets ? 0.20%
+18.4% YoY +87.4% QoQ
-0.37% 0.57%
+7.6% YoY
0.24%
+5.5% YoY
0.66%
+5.2% YoY
49%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Noninterest-Bearing 14.7%
+0.2pp YoY
+2.8pp QoQ
 -7.5pp 22.1% 17.8% 22.2% 22%
Brokered Deposits n/a n/a 7.9% 6.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
C&I 36.2%
-0.9pp YoY
+1.2pp QoQ
 +24.6pp 11.6% 12.8% 12.5% 98%
CRE n/a n/a 39.5% 28.3% 41.4% n/a
1-4 Family 25.1%
-0.1pp YoY
+1.1pp QoQ
 -7.5pp 32.6% 23.0% 31.3% 41%
Consumer 7.1%
+0.2pp YoY
+0.3pp QoQ
 +3.0pp 4.1% 2.9% 5.0% 86%

Capital

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 15.4% 19.7% n/a
Leverage Ratio 11.2%
-0.3pp YoY
+0.1pp QoQ
 -0.9pp 12.2% 12.4% 12.6% 54%
Total Capital Ratio n/a n/a 19.9% 16.5% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Full-Time Employees 11
0 YoY
0 QoQ
 -48 58 64 482 1%
Assets per Employee ($) $12.9M
+5.4% YoY
+2.4% QoQ
 +$5.4M $7.5M $8.9M $8.8M 94%
Branch Count 1
0 YoY
0 QoQ
 -4 4 5 18 0%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.4% 0.4% n/a
Nonaccrual 0.9%
+0.2pp YoY
0.0pp QoQ
 0.0pp 0.9% 1.0% 1.0% 70%
Allowance Coverage 1.14x
+44.9% YoY
+17.3% QoQ
 -23.01x 24.15x 18.97x 20.23x 30%
Net Charge-off Rate (YTD) -0.0%
-0.3pp YoY
0.0pp QoQ
 -0.2pp 0.1% 0.1% 0.2% 9%

Profitability

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
ROE 7.6%
+1.0pp YoY
-0.7pp QoQ
 -4.6pp 12.2% 12.8% 11.6% 24%
Cost of Funds (YTD) 2.0%
0.0pp YoY
0.0pp QoQ
 +0.3pp 1.7% 1.8% 1.7% 71%
Net Income ($, YTD) $506,000
+30.4% YoY
— QoQ
 -$2.0M $2.6M $4.0M $40.4M 11%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Credit Risk Growth

risk
#54 of 936 • Bottom 5.7% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk
#456 of 1256 • Bottom 36.2% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.93%
(Tier: 0.92%, National: 0.98%)
worse than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (1 metrics)

276
Loan-to-Deposit Ratio
liquidity
Value: 52.58%
Peer Median: 77.95%
#276 of 2643 Top 10.4% in $100M-$1B

Top Weaknesses (6 metrics)

2606
Net Interest Margin
profitability
Value: 2.23%
Peer Median: 3.99%
#2606 of 2643 Bottom 1.4% in $100M-$1B
2511
Total Loans
size
Value: $61.94M
Peer Median: $258.35M
#2511 of 2643 Bottom 5.0% in $100M-$1B
2352
Total Deposits
size
Value: $117.80M
Peer Median: $326.73M
#2352 of 2643 Bottom 11.0% in $100M-$1B
2329
Total Assets
size
Value: $141.71M
Peer Median: $386.57M
#2329 of 2643 Bottom 11.9% in $100M-$1B
2133
Return on Assets
profitability
Value: 0.71%
Peer Median: 1.32%
#2133 of 2643 Bottom 19.3% in $100M-$1B
2043
Non-Interest-Bearing Deposit Share
funding
Value: 14.67%
Peer Median: 22.03%
#2043 of 2643 Bottom 22.7% in $100M-$1B
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