First State Bank
Lynnville, IA
IDRSSD: 677448
Total Assets
$369.38M
Latest filing
Total Deposits
$282.85M
Latest filing
Net Interest Margin
3.85%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
First State Bank
413 East St
Lynnville, IA 50153
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/01/1912FDIC Certificate 3979
Branches (6)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| First State Bank (Main) | 413 East St | Lynnville, IA |
| EAST MAIN STREET BRANCH | 129 E Main St | Agency, IA |
| GRINNELL BRANCH | 702 2nd Ave | Grinnell, IA |
| SULLY BRANCH | 301 7th Ave | Sully, IA |
| BROOKLYN BRANCH | 104 Jackson St | Brooklyn, IA |
| NEW SHARON BRANCH | 102 S Main St | New Sharon, IA |
| MONTEZUMA BRANCH | 106 South 2nd Street | Montezuma, IA |
Showing 6 of 6
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 | 01/01/1912 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 50153 |
| State and County Number | 19099 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| 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 | 44 |
| Domestic Offices | 7 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 09/13/2024 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.fsbankia.com |
| Data Updated | 11/14/2025 |
| CERT | 5821 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $369.38M |
| Total Deposits | $282.85M |
| Total Liabilities | $329.39M |
| Total Equity Capital | $39.99M |
| Net Income | $1.76M |
| Net Loans and Leases | $261.91M |
| Assets Per Employee ($Millions) | $8.4M |
| Bank Premises and Fixed Assets | $2.91M |
| Cash and Balances due from Depository Institutions | $8.32M |
| Deposits Held in Domestic Offices | $282.85M |
Key Performance Ratios
| Return on Assets (ROA) | 1.91% |
| Return on Equity (ROE) | 18.09% |
| Net Interest Margin | 3.85% |
| Efficiency Ratio | 48.05% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.03% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.826% |
| Earning Assets to total Assets | 93.91% |
Income and Expense
| Total Interest Income | $5.06M |
| Total Noninterest Income | $310.00k |
| Total Interest Expense | $1.73M |
| Total Noninterest Expense | $1.75M |
| Net Interest Income | $3.33M |
| Pre-tax Net Operating Income | $1.87M |
| Provision for Credit Losses | $25.00k |
| 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 | $14.73M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $30.67M |
| All Other Liabilities | $1.14M |
| Total Liabilities and Capital | $369.38M |
Securities
| Securities | $82.28M |
| Available-for-sale debt securities | $61.19M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $21.06M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of First State Bank?
$369.38M as of the latest filing.
How much are First State Bank's total deposits?
$282.85M in total deposits.
Where is First State Bank located?
Lynnville, IA.
What is the Net Interest Margin?
3.85%.
How many domestic offices does it operate?
7.
When was it established?
01/01/1912.
What is the Return on Assets (ROA)?
1.91%.
How much are total loans and leases?
$261.91M (latest filing).
What is the total interest income (latest filing)?
$5.06M.