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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Lynnville, IA · FDIC certificate #5821
FIRST STATE BANK is an FDIC-insured institution based in Lynnville, IA (FDIC certificate #5821). In its Q3 2026 Call Report it reported total assets of $391M, total deposits of $314M and net loans of $297M. Its primary federal regulator is FDIC.
Plain-language readout
FIRST STATE BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $391M in Q3 2026 and were lowest at $384M in Q2 2026.
Total deposits were highest at $314M in Q3 2026 and lowest at $308M in Q2 2026.
Over the whole period total assets rose 0.1%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $391M | $314M | $297M | 2.11% | 19.87% | 4.28% |
| Q2 2026 | $384M | $308M | $295M | 2.11% | 19.85% | 4.22% |
| Q1 2026 | $390M | $312M | $281M | 1.98% | 18.89% | 4.12% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $3.8M | $19.1M | -$15.3M | -80.0% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $69.6M | $74.6M | -$5.0M | -6.7% |
| Equity securities with readily determinable fair values, not held for trading | $34K | $26K | +$8K | +30.8% |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $294.5M | $281.2M | +$13.4M | +4.8% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $3.1M | $2.8M | +$260K | +9.1% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $5.0M | $5.0M | -$23K | -0.5% |
| All other assets | $8.2M | $7.4M | +$829K | +11.3% |
| Total assets | $384.2M | $390.1M | -$5.9M | -1.5% |
| Liabilities | ||||
| Total deposits | $308.1M | $312.2M | -$4.1M | -1.3% |
| Federal funds purchased | $850K | $0K | +$850K | n/a |
| Securities sold under agreements to repurchase | $20.9M | $25.9M | -$5.0M | -19.4% |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $11.5M | $11.0M | +$439K | +4.0% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $1.2M | $1.2M | +$17K | +1.4% |
| Total liabilities | $342.5M | $350.3M | -$7.8M | -2.2% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $100K | $100K | $0K | 0.0% |
| Surplus | $6.6M | $6.6M | $0K | 0.0% |
| Retained earnings | $35.8M | $34.0M | +$1.8M | +5.3% |
| Accumulated other comprehensive income | -$787K | -$946K | +$159K | +16.8% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $41.7M | $39.8M | +$2.0M | +4.9% |
| Credit and capital | ||||
| Gross nonperforming assets | $612K | $414K | +$198K | +47.8% |
| Adjusted nonperforming assets | $612K | $414K | +$198K | +47.8% |
| Tangible equity plus allowance | $39.9M | $37.7M | +$2.1M | +5.6% |
| Texas ratio (gross) | 1.54% | 1.10% | +0.44 pts | See points |
| Texas ratio (adjusted) | 1.54% | 1.10% | +0.44 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 1.54% | 1.10% | +0.44 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 9.77% | 9.46% | +0.32 pts | See points |
| Construction and land loans to total capital | 2.57% | 2.19% | +0.38 pts | See points |
| Commercial real estate to total capital | 26.49% | 25.81% | +0.68 pts | See points |
| Dividend payout, year to date | 71.35% | 133.89% | -62.55 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -3.15% | -4.03% | +0.88 pts | See points |
| Liquidity | ||||
| Core deposits | $294.2M | $291.0M | +$3.2M | +1.1% |
| Non-core funding | $47.1M | $58.2M | -$11.1M | -19.0% |
| Loans to core deposits | 101.17% | 97.65% | +3.52 pts | See points |
| Loans to deposits | 96.61% | 91.02% | +5.60 pts | See points |
| Brokered deposits share of deposits | 2.75% | 3.67% | -0.92 pts | See points |
| Pledged securities share of securities | 51.63% | 51.03% | +0.60 pts | See points |
| Loans pledged, share of loans | 16.32% | 16.33% | -0.01 pts | See points |
| Volatile liabilities | $47.1M | $58.2M | -$11.1M | -19.0% |
| Earnings | ||||
| Earnings before provision, year to date | $4.5M | $2.1M | +$2.4M | +111.3% |
| Earnings before provision, single quarter | $2.4M | $2.1M | +$239K | +11.3% |
| Provision for credit losses, year to date | $255K | $125K | +$130K | +104.0% |
| Yield and cost | ||||
| Yield on loans and leases | 6.61% | 6.53% | +0.07 pts | See points |
| Yield on interest-bearing balances due from banks | 2.98% | 4.18% | -1.19 pts | See points |
| Total interest income to average assets | 5.79% | 5.61% | +0.18 pts | See points |
| Cost of interest-bearing transaction accounts | 1.10% | 1.01% | +0.09 pts | See points |
| Cost of savings and money market deposits | 1.74% | 1.72% | +0.01 pts | See points |
| Cost of time deposits | 4.20% | 4.19% | +0.01 pts | See points |
| Total interest expense to average assets | 1.77% | 1.77% | +0.00 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $391M | $314M | $297M | 2.11% | 19.87% | 4.28% |
| 2026-06-30 | $384M | $308M | $295M | 2.11% | 19.85% | 4.22% |
| 2026-03-31 | $390M | $312M | $281M | 1.98% | 18.89% | 4.12% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| IA | $291.8M | 0.23% | 94 | Continuing · +0.02 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.