First State Bank (FDIC #5821): Bank Stress & Real-Estate Credit Exposure
First State Bank (FDIC Cert #5821): bank stress 45/100, moderate, STABLE over 7 days; parent FIRST STATE BANK HOLDING CO.
First State Bank (#5821) lends in 4 counties across 1 state; First State Bank (#5821) reaches 59 ZIP codes: Iowa 4 counties, 59 ZIPs.
First State Bank (#5821) largest markets: Jasper County, IA (42 branches, 21 ZIPs) (#5821), Mahaska County, IA (20 branches, 20 ZIPs) (#5821), Poweshiek County, IA (51 branches, 17 ZIPs) (#5821), Wapello County, IA (12 branches, 12 ZIPs) (#5821).
First State Bank (#5821) reports $384.2 million in total assets; First State Bank (#5821) equity $41.7 million (10.9% of First State Bank (#5821) assets); First State Bank (#5821) domestic deposits $308.1 million; First State Bank (#5821) net income $4.1 million; First State Bank (#5821) return on assets 2.11%; First State Bank (#5821) return on equity 19.85%; First State Bank (#5821) net interest income $7.6 million; First State Bank (#5821) call report June 30, 2026.
First State Bank (#5821) noncurrent real-estate loans 0.01% of its book; First State Bank (#5821) net charge-offs on real estate 0.27%.
First State Bank (#5821) net interest margin 4.22% against an eight-quarter First State Bank (#5821) average of 3.64% (First State Bank (#5821) compression -0.57 points); First State Bank (#5821) real-estate loans 1.1% of equity; First State Bank (#5821) rate-exposure score 40/100, First State Bank (#5821) fixed-rate trap 40/100; First State Bank (#5821) risk type credit driven; First State Bank (#5821) rate regime rates elevated, First State Bank (#5821) snapshot October 19, 2026.
First State Bank (#5821) stress score moved from 49 on June 22, 2026 to 45.4 on October 19, 2026; First State Bank (#5821) ranged 45.4 to 49 over 116 snapshots.
First State Bank (#5821) alerts: 4 counties; top First State Bank (#5821) alert scores: Agency County, IA 18 (low); Montezuma County, IA 18 (low); New Sharon County, IA 18 (low); Sully County, IA 18 (low).