First State Bank
Belmond, IA
IDRSSD: 854847
Total Assets
$135.58M
Latest filing
Total Deposits
$100.37M
Latest filing
Net Interest Margin
2.16%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
First State Bank
304 E Main St
Belmond, IA 50421
Full Service - Brick and Mortar
Updated 11/14/2025Established 07/01/1933FDIC Certificate 3952
Branches (0)
Page 1 of 1| Name | Address | City / State | ||
|---|---|---|---|---|
| No branch data available. | ||||
| First State Bank (Main) | 304 E Main St | Belmond, IA | ||
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
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 | 07/01/1933 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 50421 |
| State and County Number | 19197 |
| 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 | 11 |
| Domestic Offices | 1 |
| 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 | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | http://WWW.FSBBELMOND.COM |
| Data Updated | 11/14/2025 |
| CERT | 5791 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $135.58M |
| Total Deposits | $100.37M |
| Total Liabilities | $122.88M |
| Total Equity Capital | $12.70M |
| Net Income | $227.00k |
| Net Loans and Leases | $61.20M |
| Assets Per Employee ($Millions) | $12.33M |
| Bank Premises and Fixed Assets | $334.00k |
| Cash and Balances due from Depository Institutions | $9.90M |
| Deposits Held in Domestic Offices | $100.37M |
Key Performance Ratios
| Return on Assets (ROA) | 0.67% |
| Return on Equity (ROE) | 7.32% |
| Net Interest Margin | 2.16% |
| Efficiency Ratio | 61.33% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.15% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.365% |
| Earning Assets to total Assets | 94.03% |
Income and Expense
| Total Interest Income | $1.35M |
| Total Noninterest Income | $124.00k |
| Total Interest Expense | $664.00k |
| Total Noninterest Expense | $498.00k |
| Net Interest Income | $688.00k |
| Pre-tax Net Operating Income | $264.00k |
| Provision for Credit Losses | $50.00k |
| 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 | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $200.00k |
| Federal Funds Purchased and Repurchased Agreement | $19.94M |
| All Other Liabilities | $2.56M |
| Total Liabilities and Capital | $135.58M |
Securities
| Securities | $58.51M |
| Available-for-sale debt securities | $55.62M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $2.51M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of First State Bank?
$135.58M as of the latest filing.
How much are First State Bank's total deposits?
$100.37M in total deposits.
Where is First State Bank located?
Belmond, IA.
What is the Net Interest Margin?
2.16%.
How many domestic offices does it operate?
1.
When was it established?
07/01/1933.
What is the Return on Assets (ROA)?
0.67%.
How much are total loans and leases?
$61.20M (latest filing).
What is the total interest income (latest filing)?
$1.35M.