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First State Bank
Lynnville, IA · FDIC Certificate #5821 · Chartered 01/0
Total assets
$384.25M
Total deposits
$308.05M
Total equity
$41.75M
Net loans
$294.51M
Branches (offices)
7
Net income (YTD)
$4.05M
Rank: #2,127 of 4,213 U.S. banks by assets · #84 of 225 in Iowa. Assets changed 4.8% and deposits 5.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.11% |
| Return on equity | 19.85% |
| Net interest margin (YTD) | 4.22% |
| Equity to assets | 10.86% |
| Tier 1 leverage ratio | 9.77% |
| Uninsured deposits (share of deposits) | 26.0% |
| Noncurrent loans (share of loans) | 0.21% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 95.6% |
| Real estate loans (share of loans) | 74.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $218.17M | 74.1% | |
| Commercial & industrial | $25.20M | 8.6% | |
| Consumer / individual | $7.15M | 2.4% | |
| Construction & development | $1.04M | 0.4% | |
| Agricultural | $46.14M | 15.7% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $303.18M | $246.62M | $1.97M | $28.65M |
| Jun 2023 | $322.40M | $256.64M | $1.60M | $31.27M |
| Jun 2024 | $332.79M | $258.46M | $1.97M | $33.07M |
| Jun 2025 | $366.71M | $291.75M | $3.14M | $37.75M |
| Jun 2026 | $384.25M | $308.05M | $4.05M | $41.75M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Iowa | $308.05M | 7 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $308.05M.
Similar-sized banks
The Riddell National Bank ($384.34M) · Mccurtain County National Bank ($384.21M)
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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