First Iowa State Bank
Total assets
$396.1M
▲ +7.2% YoY
Deposits
$359.0M
▲ +8.4% YoY
Loans
$288.0M
▲ +8.6% YoY
Offices
6
VAN BUREN BCORP EMPLOYEE STK OWNERSHIP PLAN
ROA (annualized)
2.03%
peers 1.24%
ROE (annualized)
24.53%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | First Iowa State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.2% | +4.4% | +2.9 pts |
| Deposit growth (YoY) | +8.4% | +4.0% | +4.5 pts |
| Loan growth (YoY) | +8.6% | +5.6% | +3.0 pts |
| ROA | 2.03% | 1.24% | +0.8 pts |
| ROE | 24.5% | 11.9% | +12.7 pts |
ROA ranks in the 87th percentile of its peer group · Q2 2026
Profile
- Established
- 1930
- Charter
- State
- Primary regulator
- FED
- Holding company
- VAN BUREN BCORP EMPLOYEE STK OWNERSHIP PLAN
- Specialization
- Agricultural Specialization
- Address
- 19 Benton Ave E, Albia, IA, 52531
- County
- Monroe
- Offices
- 6
- FDIC cert #
- 14930
- RSSD ID
- 787842
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $396.1M | $359.0M | $288.0M | $34.4M | $4.0M | 2.03% | 4.73% | 1.57% |
| Q1 2026 | $404.3M | $369.0M | $286.7M | $32.6M | $1.7M | 1.78% | 4.48% | 1.52% |
| Q4 2025 | $380.3M | $340.3M | $277.9M | $30.9M | $6.9M | 1.84% | 4.68% | 1.19% |
| Q3 2025 | $377.5M | $340.0M | $271.8M | $31.7M | $5.3M | 1.89% | 4.59% | 1.06% |
| Q2 2025 | $369.4M | $331.0M | $265.1M | $31.0M | $3.4M | 1.82% | 4.51% | 1.60% |
| Q1 2025 | $385.8M | $342.8M | $259.2M | $28.8M | $2.0M | 2.16% | 4.38% | 0.30% |
| Q4 2024 | $366.1M | $326.0M | $249.1M | $25.3M | $6.4M | 1.79% | 4.25% | 0.13% |
| Q3 2024 | $370.6M | $336.9M | $244.7M | $31.7M | $4.8M | 1.79% | 4.20% | 0.38% |
Loan mix (Q2 2026): real estate $200.8M · commercial $29.7M · consumer $2.8M · securities $81.0M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | First Iowa State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.03% | 1.24% | 87th | |
Return on equity Annualized net income ÷ equity or net worth | 24.5% | 11.9% | 96th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.73% | 3.96% | 86th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 46.6% | 62.9% | 10th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | First Iowa State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | First Iowa State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | First Iowa State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | First Iowa State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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