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Bank 1St
West Union, IA · FDIC Certificate #13816 · Chartered 01/0
Total assets
$166.05M
Total deposits
$128.58M
Total equity
$17.32M
Net loans
$95.46M
Branches (offices)
3
Net income (YTD)
$1.07M
Rank: #3,192 of 4,213 U.S. banks by assets · #157 of 225 in Iowa. Assets changed 2.7% and deposits -7.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.30% |
| Return on equity | 12.65% |
| Net interest margin (YTD) | 3.43% |
| Equity to assets | 10.43% |
| Tier 1 leverage ratio | 15.20% |
| Uninsured deposits (share of deposits) | 24.3% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 74.2% |
| Real estate loans (share of loans) | 67.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $64.08M | 67.1% | |
| Commercial & industrial | $8.48M | 8.9% | |
| Consumer / individual | $2.07M | 2.2% | |
| Construction & development | $4.99M | 5.2% | |
| Agricultural | $22.21M | 23.3% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $163.81M | $153.21M | $1.11M | $10.09M |
| Jun 2023 | $163.36M | $132.36M | $801.00K | $12.14M |
| Jun 2024 | $163.35M | $127.73M | $667.00K | $13.38M |
| Jun 2025 | $161.63M | $138.39M | $920.00K | $14.22M |
| Jun 2026 | $166.05M | $128.58M | $1.07M | $17.32M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Iowa | $128.58M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $128.58M.
Similar-sized banks
Westmoreland Federal Savings And Loan Association ($166.53M) · North Central Bank ($165.91M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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