First State Bank (FDIC #15321): Bank Stress & Real-Estate Credit Exposure
First State Bank (FDIC Cert #15321): bank stress 57/100, moderate, STABLE over 7 days; parent VAN DIEST INVESTMENT CO.
First State Bank (#15321) lends in 5 counties across 1 state; First State Bank (#15321) reaches 71 ZIP codes: Iowa 5 counties, 71 ZIPs.
First State Bank (#15321) largest markets: Webster County, IA (22 branches, 22 ZIPs) (#15321), Humboldt County, IA (17 branches, 17 ZIPs) (#15321), Sac County, IA (16 branches, 16 ZIPs) (#15321), Wright County, IA (32 branches, 16 ZIPs) (#15321), Hamilton County, IA (45 branches, 15 ZIPs) (#15321).
First State Bank (#15321) reports $674.3 million in total assets; First State Bank (#15321) equity $78.9 million (11.7% of First State Bank (#15321) assets); First State Bank (#15321) domestic deposits $572.2 million; First State Bank (#15321) net income $4.5 million; First State Bank (#15321) return on assets 1.38%; First State Bank (#15321) return on equity 11.42%; First State Bank (#15321) net interest income $9.7 million; First State Bank (#15321) call report June 30, 2026.
First State Bank (#15321) noncurrent real-estate loans: none reported; First State Bank (#15321) net charge-offs on real estate 0.09%.
First State Bank (#15321) net interest margin 3.23% against an eight-quarter First State Bank (#15321) average of 2.95% (First State Bank (#15321) compression -0.28 points); First State Bank (#15321) rate-exposure score 40/100, First State Bank (#15321) fixed-rate trap 40/100; First State Bank (#15321) risk type credit driven; First State Bank (#15321) rate regime rates elevated, First State Bank (#15321) snapshot October 19, 2026.
First State Bank (#15321) stress score moved from 52.8 on June 22, 2026 to 56.9 on October 19, 2026; First State Bank (#15321) ranged 52.8 to 56.9 over 116 snapshots.
First State Bank (#15321) alerts: 5 counties; top First State Bank (#15321) alert scores: Humboldt County, IA 36 (moderate); Eagle Grove County, IA 20 (low); Fort Dodge County, IA 20 (low); Lake View County, IA 20 (low); Webster City County, IA 20 (low).