First State Bank
Webster City, IA
IDRSSD: 561145
Total Assets
$626.69M
Latest filing
Total Deposits
$523.88M
Latest filing
Net Interest Margin
3.08%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
073921213CORALVILLE, IA
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
First State Bank
505 2nd St
Webster City, IA 50595
Full Service - Brick and Mortar
Updated 01/30/2026Established 10/15/1935FDIC Certificate 9657
Branches (8)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| First State Bank (Main) | 505 2nd St | Webster City, IA |
| EAGLE GROVE BRANCH | 323 S Commercial Ave | Eagle Grove, IA |
| FIRST STATE BANK | 3031 5th Ave S | Fort Dodge, IA |
| FIRST STATE BANK | 714 Central Ave E | Clarion, IA |
| HUMBOLDT BRANCH | 605 13th St N | Humboldt, IA |
| JEWELL BRANCH | 548 Main St | Jewell, IA |
| LAKE VIEW TEMPORARY BRANCH | 1317 E 9th St | Lake View, IA |
| LAKE VIEW PERMANENT BRANCH | 930 9th Street | Lake View, IA |
Showing 7 of 8
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 | 10/15/1935 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 50595 |
| State and County Number | 19079 |
| 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 | N/A |
Operational Info
| Number of Employees | 121 |
| Domestic Offices | 9 |
| 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 | 12/16/1935 |
| Primary Insurance Agency | DIF |
| Website | www.fsbwc.com |
| Data Updated | 01/30/2026 |
| CERT | 15321 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $626.69M |
| Total Deposits | $523.88M |
| Total Liabilities | $548.03M |
| Total Equity Capital | $78.67M |
| Net Income | $3.55M |
| Net Loans and Leases | $487.90M |
| Assets Per Employee ($Millions) | $5.18M |
| Bank Premises and Fixed Assets | $17.31M |
| Cash and Balances due from Depository Institutions | $29.76M |
| Deposits Held in Domestic Offices | $523.88M |
Key Performance Ratios
| Return on Assets (ROA) | 2.23% |
| Return on Equity (ROE) | 18.51% |
| Net Interest Margin | 3.08% |
| Efficiency Ratio | 48.88% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 12.552% |
| Earning Assets to total Assets | 93.27% |
Income and Expense
| Total Interest Income | $7.95M |
| Total Noninterest Income | $4.25M |
| Total Interest Expense | $3.39M |
| Total Noninterest Expense | $4.32M |
| Net Interest Income | $4.56M |
| Pre-tax Net Operating Income | $4.49M |
| Provision for Credit Losses | $1.00k |
| 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 | $17.43M |
| Federal Funds Sold & Reverse Repurchase Agreement | $175.00k |
| Federal Funds Purchased and Repurchased Agreement | $1.76M |
| All Other Liabilities | $4.97M |
| Total Liabilities and Capital | $626.69M |
Securities
| Securities | $74.10M |
| Available-for-sale debt securities | $65.05M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $9.06M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of First State Bank?
$626.69M as of the latest filing.
How much are First State Bank's total deposits?
$523.88M in total deposits.
Where is First State Bank located?
Webster City, IA.
What is the Net Interest Margin?
3.08%.
How many domestic offices does it operate?
9.
When was it established?
10/15/1935.
What is the Return on Assets (ROA)?
2.23%.
How much are total loans and leases?
$487.90M (latest filing).
What is the total interest income (latest filing)?
$7.95M.