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First State Bank

$100M-$1B Specialty: Agricultural IA FDIC cert 5821

Lynnville, IA

7 branches across 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 +5.6% year over year ($308.1M on the books).
  • Delinquency rate 0.21%.
  • Return on assets 2.11%.
  • Efficiency ratio 45.24% vs a 64.48% peer average.
  • Loan-to-deposit ratio 95.60% 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 4 strengths but faces 2 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

  • + Profitability Leader: Top 26.6% in tier
  • + Efficiency Ratio 19.24% below tier average
  • + Net Interest Margin 0.23% above tier average
  • + Delinquency Rate 0.71% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 31.9% in tier
  • - Non-Interest-Bearing Deposit Share 12.50% 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 ? $384.2M
+4.8% YoY -1.5% QoQ
-$2.3M $386.6M
+1.2% YoY
$566.2M
+5.8% YoY
$6.3B
+7.7% YoY
59%
Total Loans ? $294.5M
+15.6% YoY +4.8% QoQ
+$36.2M $258.3M
+1.7% YoY
$385.0M
+5.4% YoY
$3.2B
+9.4% YoY
66%
Total Deposits ? $308.1M
+5.6% YoY -1.3% QoQ
-$18.7M $326.7M
+0.7% YoY
$472.4M
+6.3% YoY
$4.9B
+7.3% YoY
56%
Return on Assets ? 2.11%
+22.5% YoY +6.3% QoQ
+0.79% 1.32%
+10.8% YoY
1.58%
+39.1% YoY
1.30%
+12.1% YoY
Top 11.0% in tier
Net Interest Margin ? 4.22%
+15.4% YoY +2.2% QoQ
+0.23% 3.99%
+5.0% YoY
3.58%
+9.0% YoY
3.95%
+4.9% YoY
66%
Efficiency Ratio ? 45.24%
-13.1% YoY -4.0% QoQ
-19.24% 64.48%
-3.2% YoY
57.74%
-6.0% YoY
70.05%
+2.5% YoY
Top 9.3% in tier
Delinquency Rate ? 0.21%
-25.5% YoY +41.1% QoQ
-0.71% 0.92%
+15.7% YoY
0.99%
+12.8% YoY
0.98%
+16.3% YoY
65%
Loan-to-Deposit Ratio ? 95.60%
+9.5% YoY +6.2% QoQ
+17.65% 77.95%
+1.0% YoY
80.39%
+2.7% YoY
79.03%
+2.3% YoY
15%
Non-Interest-Bearing Deposit Share ? 9.53%
+2.3% YoY +0.2% QoQ
-12.50% 22.03%
-0.6% YoY
17.72%
+0.8% YoY
21.98%
-0.6% YoY
Bottom 9.6% in tier
Nonperforming Asset Ratio ? 0.16%
-17.7% YoY +50.1% QoQ
-0.51% 0.67%
+16.4% YoY
0.63%
+7.9% YoY
0.69%
+15.8% YoY
64%
Tier 1 Capital Ratio ? 9.77%
+3.6% YoY +3.3% QoQ
-6.14% 15.91%
+1.4% YoY
14.69%
+3.0% YoY
17.09%
+0.8% YoY
Bottom 8.0% in tier
Non-Interest Income / Assets ? 0.15%
-4.0% YoY +79.4% QoQ
-0.42% 0.57%
+7.6% YoY
0.24%
+5.5% YoY
0.66%
+5.2% YoY
33%

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 9.5%
+0.2pp YoY
0.0pp QoQ
 -12.6pp 22.1% 17.8% 22.2% 9%
Brokered Deposits 2.7%
+0.9pp YoY
-0.9pp QoQ
 -5.1pp 7.9% 6.0% 8.5% 36%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
C&I 8.6%
-1.2pp YoY
+0.7pp QoQ
 -3.0pp 11.6% 12.8% 12.5% 44%
CRE 8.2%
-2.1pp YoY
-0.2pp QoQ
 -31.4pp 39.5% 28.3% 41.4% 3%
1-4 Family 27.3%
+1.2pp YoY
+0.5pp QoQ
 -5.4pp 32.6% 23.0% 31.3% 45%
Consumer 2.4%
-0.2pp YoY
-0.1pp QoQ
 -1.7pp 4.1% 2.9% 5.0% 53%

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 9.8%
+0.3pp YoY
+0.3pp QoQ
 -2.4pp 12.2% 12.4% 12.6% 26%
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 45
+1 (+2.3%) YoY
0 QoQ
 -14 58 64 482 47%
Assets per Employee ($) $8.5M
+2.5% YoY
-1.5% QoQ
 +$1.0M $7.5M $8.9M $8.8M 74%
Branch Count 7
0 YoY
0 QoQ
 +2 4 5 18 75%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Past Due 90+ Days 0.0%
-0.2pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.4% 0.4% 35%
Nonaccrual 0.2%
+0.1pp YoY
0.0pp QoQ
 -0.8pp 0.9% 1.0% 1.0% 27%
Allowance Coverage 5.08x
+33.7% YoY
-29.4% QoQ
 -19.07x 24.15x 18.97x 20.23x 71%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 44%

Profitability

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
ROE 19.9%
+2.5pp YoY
+1.0pp QoQ
 +7.7pp 12.2% 12.8% 11.6% 88%
Cost of Funds (YTD) 1.9%
-0.1pp YoY
0.0pp QoQ
 +0.2pp 1.7% 1.8% 1.7% 64%
Net Income ($, YTD) $4.1M
+29.2% YoY
— QoQ
 +$1.5M $2.6M $4.0M $40.4M 81%

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 (1)

Profitability Leader

growth
#177 of 661 • Top 26.6% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 2.11%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Concerns (1)

Capital Thin

risk
#212 of 661 • Bottom 31.9% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 9.77%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | 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 (2 metrics)

247
Efficiency Ratio
profitability
Value: 45.24%
Peer Median: 64.48%
#247 of 2643 Top 9.3% in $100M-$1B
291
Return on Assets
profitability
Value: 2.11%
Peer Median: 1.32%
#291 of 2643 Top 11.0% in $100M-$1B

Top Weaknesses (3 metrics)

2433
Tier 1 Capital Ratio
capital
Value: 9.77%
Peer Median: 15.91%
#2433 of 2643 Bottom 8.0% in $100M-$1B
2389
Non-Interest-Bearing Deposit Share
funding
Value: 9.53%
Peer Median: 22.03%
#2389 of 2643 Bottom 9.6% in $100M-$1B
2236
Loan-to-Deposit Ratio
liquidity
Value: 95.60%
Peer Median: 77.95%
#2236 of 2643 Bottom 15.4% in $100M-$1B
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