First State Bank
Webster City, IA
IDRSSD: 561145
Total Assets
$643.80M
Latest filing
Total Deposits
$545.33M
Latest filing
Net Interest Margin
3.10%
Profitability
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 | 122 |
| 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 | 11/14/2025 |
| CERT | 15321 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $643.80M |
| Total Deposits | $545.33M |
| Total Liabilities | $569.11M |
| Total Equity Capital | $74.69M |
| Net Income | $2.05M |
| Net Loans and Leases | $476.09M |
| Assets Per Employee ($Millions) | $5.32M |
| Bank Premises and Fixed Assets | $17.53M |
| Cash and Balances due from Depository Institutions | $63.18M |
| Deposits Held in Domestic Offices | $545.33M |
Key Performance Ratios
| Return on Assets (ROA) | 1.31% |
| Return on Equity (ROE) | 11.2% |
| Net Interest Margin | 3.1% |
| Efficiency Ratio | 62.68% |
| 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 | 11.601% |
| Earning Assets to total Assets | 93.14% |
Income and Expense
| Total Interest Income | $7.82M |
| Total Noninterest Income | $2.42M |
| Total Interest Expense | $3.31M |
| Total Noninterest Expense | $4.36M |
| Net Interest Income | $4.51M |
| Pre-tax Net Operating Income | $2.58M |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $17.55M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $1.66M |
| All Other Liabilities | $4.56M |
| Total Liabilities and Capital | $643.80M |
Securities
| Securities | $68.65M |
| Available-for-sale debt securities | $59.53M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $9.13M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of First State Bank?
$643.80M as of the latest filing.
How much are First State Bank's total deposits?
$545.33M in total deposits.
Where is First State Bank located?
Webster City, IA.
What is the Net Interest Margin?
3.10%.
How many domestic offices does it operate?
9.
When was it established?
10/15/1935.
What is the Return on Assets (ROA)?
1.31%.
How much are total loans and leases?
$476.09M (latest filing).
What is the total interest income (latest filing)?
$7.82M.