First State Bank

BankWebster City, Iowa
www.fsbwc.com

Total Assets

$626.7M

Total Deposits

$523.9M

Branches

9

Established

1935

TFS Health Grade

$
C-

71.3 / 100

Average financial health

How we grade

First State Bank is a bank headquartered in Webster City, Iowa, established in 1935. With $626.7M in total assets and 9 branch locations, it has a TFS Financial Health Grade of C- (71.3/100).

Capital & Safety

Tier 1 Capital Ratio
12.32%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
0.16%

Profitability

Return on Assets (ROA)
1.39%(1%)
Return on Equity (ROE)
11.62%(10%)
Net Interest Margin
3.05%
Efficiency Ratio
61.98%(60%)

Lending & Liquidity

Total Loans
$493.2M
Loan-to-Deposit Ratio
93.13%
Net Charge-Off Ratio
0.02%

Growth

Asset Growth (YoY)
+6.11%
Deposit Growth (YoY)
+6.43%
Net Income
$8.5M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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