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First Iowa State Bank
Albia, IA · FDIC Certificate #14930 · Chartered 05/1
Total assets
$396.12M
Total deposits
$358.96M
Total equity
$34.38M
Net loans
$287.98M
Branches (offices)
6
Net income (YTD)
$4.00M
Rank: #2,073 of 4,213 U.S. banks by assets · #82 of 225 in Iowa. Assets changed 7.2% and deposits 8.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.03% |
| Return on equity | 24.53% |
| Net interest margin (YTD) | 4.73% |
| Equity to assets | 8.68% |
| Tier 1 leverage ratio | 10.20% |
| Uninsured deposits (share of deposits) | 28.8% |
| Noncurrent loans (share of loans) | 2.12% |
| Net charge-offs (share of loans) | 0.73% |
| Loans to deposits | 80.2% |
| Real estate loans (share of loans) | 69.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $200.79M | 69.7% | |
| Commercial & industrial | $29.69M | 10.3% | |
| Consumer / individual | $2.75M | 1.0% | |
| Construction & development | $948.00K | 0.3% | |
| Agricultural | $59.75M | 20.7% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $187.60M | $175.74M | $1.79M | $11.56M |
| Jun 2023 | $343.42M | $312.59M | $3.02M | $22.68M |
| Jun 2024 | $354.20M | $303.94M | $3.01M | $26.62M |
| Jun 2025 | $369.40M | $331.01M | $3.40M | $31.01M |
| Jun 2026 | $396.12M | $358.96M | $4.00M | $34.38M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Iowa | $358.96M | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $358.96M.
Similar-sized banks
Locality Bank ($396.24M) · The Farmers State Bank Of Oakley, Kansas ($396.06M)
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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