First State Bank
Total assets
$674.3M
▲ +10.8% YoY
Deposits
$572.2M
▲ +11.7% YoY
Loans
$494.9M
▲ +4.6% YoY
Offices
8
VAN DIEST INVESTMENT CO
ROA (annualized)
1.38%
peers 1.28%
ROE (annualized)
11.42%
peers 12.44%
Peer comparison 748 banks with 500M-1B in assets
| Metric | First State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.8% | +4.9% | +5.9 pts |
| Deposit growth (YoY) | +11.8% | +4.3% | +7.4 pts |
| Loan growth (YoY) | +4.6% | +5.3% | -0.7 pts |
| ROA | 1.38% | 1.28% | +0.1 pts |
| ROE | 11.4% | 12.4% | -1.0 pts |
ROA ranks in the 56th percentile of its peer group · Q2 2026
Profile
- Established
- 1935
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- VAN DIEST INVESTMENT CO
- Specialization
- Agricultural Specialization
- Address
- 505 2nd St, Webster City, IA, 50595
- County
- Hamilton
- Offices
- 8
- FDIC cert #
- 15321
- RSSD ID
- 561145
- 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 | $674.3M | $572.2M | $494.9M | $78.9M | $4.5M | 1.38% | 3.23% | 0.09% |
| Q1 2026 | $629.6M | $529.5M | $484.4M | $76.5M | $2.3M | 1.44% | 3.19% | 0.06% |
| Q4 2025 | $626.7M | $523.9M | $487.9M | $78.7M | $8.5M | 1.39% | 3.05% | 0.13% |
| Q3 2025 | $643.8M | $545.3M | $476.1M | $74.7M | $5.0M | 1.09% | 3.02% | 0.10% |
| Q2 2025 | $608.6M | $512.0M | $472.9M | $72.0M | $2.9M | 0.98% | 3.00% | 0.20% |
| Q1 2025 | $592.8M | $499.1M | $478.9M | $69.9M | $1.3M | 0.88% | 2.90% | 0.24% |
| Q4 2024 | $590.6M | $492.2M | $482.9M | $71.6M | $6.2M | 1.04% | 2.63% | 0.04% |
| Q3 2024 | $595.7M | $500.0M | $463.1M | $70.0M | $3.7M | 0.83% | 2.58% | 0.02% |
Loan mix (Q2 2026): real estate $324.6M · commercial $44.1M · consumer $2.0M · securities $71.3M
Ratio pack Q2 2026 · peer medians from 748 institutions
Profitability
| Ratio | First State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.38% | 1.28% | 56th | |
Return on equity Annualized net income ÷ equity or net worth | 11.4% | 12.4% | 43th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.23% | 3.89% | 17th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.1% | 61.2% | 47th | |
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 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 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 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 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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