First State Bank
Stuart, IA
IDRSSD: 190947
Total Assets
$128.69M
Latest filing
Total Deposits
$113.53M
Latest filing
Net Interest Margin
4.14%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
First State Bank
215 N Division St
Stuart, IA 50250
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1934FDIC Certificate 10383
Branches (3)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| First State Bank (Main) | 215 N Division St | Stuart, IA |
| 623 SOUTH DIVISION BRANCH | 623 S Division St | Stuart, IA |
| DEXTER BRANCH | 825 Marshall St | Dexter, IA |
| REDFIELD BRANCH | 917 1st St | Redfield, IA |
Showing 3 of 3
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/01/1934 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 50250 |
| State and County Number | 19077 |
| Subchapter S Corporations | No |
| Trust Powers | Trust Powers Grandfathered |
| Federal Reserve ID Number | 07 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | Des Moines-West Des Moines, IA |
Operational Info
| Number of Employees | 21 |
| Domestic Offices | 4 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 06/30/2024 |
| Date of Deposit Insurance | 07/31/1944 |
| Primary Insurance Agency | DIF |
| Website | www.stuartbank.com |
| Data Updated | 01/30/2026 |
| CERT | 16177 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $128.69M |
| Total Deposits | $113.53M |
| Total Liabilities | $113.80M |
| Total Equity Capital | $14.89M |
| Net Income | $304.00k |
| Net Loans and Leases | $56.98M |
| Assets Per Employee ($Millions) | $6.13M |
| Bank Premises and Fixed Assets | $1.27M |
| Cash and Balances due from Depository Institutions | $40.81M |
| Deposits Held in Domestic Offices | $113.53M |
Key Performance Ratios
| Return on Assets (ROA) | 0.98% |
| Return on Equity (ROE) | 8.25% |
| Net Interest Margin | 4.14% |
| Efficiency Ratio | 62.53% |
| Tier 1 Risk-Based Capital Ratio | 25.524% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.48% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.569% |
| Earning Assets to total Assets | 95.65% |
Income and Expense
| Total Interest Income | $1.58M |
| Total Noninterest Income | $243.00k |
| Total Interest Expense | $354.00k |
| Total Noninterest Expense | $916.00k |
| Net Interest Income | $1.22M |
| Pre-tax Net Operating Income | $399.00k |
| Provision for Credit Losses | $150.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $3.26M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $266.00k |
| Total Liabilities and Capital | $128.69M |
Securities
| Securities | $25.15M |
| Available-for-sale debt securities | $25.15M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of First State Bank?
$128.69M as of the latest filing.
How much are First State Bank's total deposits?
$113.53M in total deposits.
Where is First State Bank located?
Stuart, IA.
What is the Net Interest Margin?
4.14%.
How many domestic offices does it operate?
4.
When was it established?
01/01/1934.
What is the Return on Assets (ROA)?
0.98%.
How much are total loans and leases?
$56.98M (latest filing).
What is the total interest income (latest filing)?
$1.58M.