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First State Bank
Belmond, IA · FDIC Certificate #5791 · Chartered 07/0
Total assets
$141.71M
Total deposits
$117.80M
Total equity
$13.40M
Net loans
$61.94M
Branches (offices)
1
Net income (YTD)
$506.00K
Rank: #3,363 of 4,213 U.S. banks by assets · #169 of 225 in Iowa. Assets changed 5.4% and deposits 15.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.71% |
| Return on equity | 7.64% |
| Net interest margin (YTD) | 2.23% |
| Equity to assets | 9.45% |
| Tier 1 leverage ratio | 11.23% |
| Uninsured deposits (share of deposits) | 29.1% |
| Noncurrent loans (share of loans) | 0.92% |
| Net charge-offs (share of loans) | -0.02% |
| Loans to deposits | 52.6% |
| Real estate loans (share of loans) | 43.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $27.17M | 43.9% | |
| Commercial & industrial | $22.41M | 36.2% | |
| Consumer / individual | $4.42M | 7.1% | |
| Construction & development | $0 | 0.0% | |
| Agricultural | $7.32M | 11.8% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $135.26M | $108.78M | $521.00K | $9.31M |
| Jun 2023 | $129.25M | $103.16M | $185.00K | $9.15M |
| Jun 2024 | $130.73M | $102.50M | $199.00K | $10.33M |
| Jun 2025 | $134.49M | $101.70M | $388.00K | $12.11M |
| Jun 2026 | $141.71M | $117.80M | $506.00K | $13.40M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Iowa | $117.80M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $117.80M.
Similar-sized banks
Bank Of Dixon County ($141.72M) · The Chesapeake Bank & Trust Co. ($141.51M)
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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