First Bank (FDIC #4519): Bank Stress & Real-Estate Credit Exposure

First Bank (FDIC Cert #4519): bank stress 49/100, moderate, STABLE over 7 days; parent FIRST OF WAVERLY CORP.

First Bank (#4519) lends in 3 counties across 1 state; First Bank (#4519) reaches 44 ZIP codes: Iowa 3 counties, 44 ZIPs.

First Bank (#4519) largest markets: Black Hawk County, IA (18 branches, 18 ZIPs) (#4519), Wright County, IA (48 branches, 16 ZIPs) (#4519), Bremer County, IA (52 branches, 13 ZIPs) (#4519).

First Bank (#4519) reports $739.9 million in total assets; First Bank (#4519) equity $96.6 million (13.1% of First Bank (#4519) assets); First Bank (#4519) domestic deposits $619.8 million; First Bank (#4519) net income $5.7 million; First Bank (#4519) return on assets 1.54%; First Bank (#4519) return on equity 12.11%; First Bank (#4519) net interest income $13.3 million; First Bank (#4519) call report June 30, 2026.

First Bank (#4519) noncurrent real-estate loans: none reported; First Bank (#4519) net charge-offs on real estate 0.14%.

First Bank (#4519) net interest margin 3.82% against an eight-quarter First Bank (#4519) average of 3.36% (First Bank (#4519) compression -0.46 points); First Bank (#4519) rate-exposure score 40/100, First Bank (#4519) fixed-rate trap 40/100; First Bank (#4519) risk type credit driven; First Bank (#4519) rate regime rates elevated, First Bank (#4519) snapshot October 19, 2026.

First Bank (#4519) stress score moved from 51.1 on June 22, 2026 to 49.1 on October 19, 2026; First Bank (#4519) ranged 49.1 to 51.1 over 116 snapshots.

First Bank (#4519) alerts: 3 counties; top First Bank (#4519) alert scores: Cedar Falls County, IA 19 (low); Goldfield County, IA 19 (low); Waverly County, IA 19 (low).