First Trust and Savings Bank
Total assets
$320.6M
▲ +15.0% YoY
Deposits
$271.6M
▲ +14.8% YoY
Loans
$273.7M
▲ +10.3% YoY
Offices
8
WHEATLAND BCORP
ROA (annualized)
1.53%
peers 1.24%
ROE (annualized)
15.14%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +14.9% | +4.4% | +10.6 pts |
| Deposit growth (YoY) | +14.8% | +4.0% | +10.9 pts |
| Loan growth (YoY) | +10.3% | +5.6% | +4.7 pts |
| ROA | 1.53% | 1.24% | +0.3 pts |
| ROE | 15.1% | 11.9% | +3.3 pts |
ROA ranks in the 68th percentile of its peer group · Q2 2026
Profile
- Established
- 1905
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- WHEATLAND BCORP
- Specialization
- Agricultural Specialization
- Address
- 123 S Main St, Wheatland, IA, 52777
- County
- Clinton
- Metro area
- Clinton, IA
- Offices
- 8
- FDIC cert #
- 8752
- RSSD ID
- 640442
- 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 | $320.6M | $271.6M | $273.7M | $32.3M | $2.4M | 1.53% | 4.02% | 2.77% |
| Q1 2026 | $314.9M | $261.8M | $272.6M | $31.5M | $1.2M | 1.52% | 4.01% | 2.23% |
| Q4 2025 | $300.1M | $252.9M | $261.3M | $30.8M | $3.3M | 1.17% | 3.98% | 2.08% |
| Q3 2025 | $294.2M | $243.8M | $259.5M | $30.2M | $2.8M | 1.34% | 3.97% | 1.64% |
| Q2 2025 | $278.9M | $236.6M | $248.2M | $29.1M | $1.8M | 1.31% | 3.91% | 2.15% |
| Q1 2025 | $282.4M | $230.2M | $250.8M | $28.7M | $848K | 1.22% | 3.78% | 1.73% |
| Q4 2024 | $275.6M | $233.3M | $245.1M | $27.9M | $3.3M | 1.25% | 3.74% | 1.32% |
| Q3 2024 | $274.5M | $223.0M | $240.5M | $27.5M | $2.6M | 1.30% | 3.74% | 1.47% |
Loan mix (Q2 2026): real estate $142.2M · commercial $31.0M · consumer $8.7M · securities $25.6M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.53% | 1.24% | 68th | |
Return on equity Annualized net income ÷ equity or net worth | 15.1% | 11.9% | 69th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.02% | 3.96% | 54th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.9% | 62.9% | 35th | |
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 | Value | 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 | Value | 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 | Value | 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 | Value | 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.
Similar banks
- Waukon State BankWaukon, IA · $426.9M
- Maquoketa State BankMaquoketa, IA · $429.0M
- TS BankTreynor, IA · $432.7M
- FreedomBankElkader, IA · $433.9M
- GreatAmerica Bank National AssociationCedar Rapids, IA · $450.0M
- NSB BankMason City, IA · $460.8M
Selling to First Trust and Savings Bank?
See Pro plan →Peer lists, growth filters, CSV export, CRM push.