Total Assets
$380M
Total balance-sheet footings
FDIC Cert #14930 · Albia, Iowa · Est. 1930
First Iowa State Bank - FDIC Bank Health Profile
A community-scale look at First Iowa State Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $380M
- Total assets
- B
- Health grade · Good
- 1.84%
- Return on assets
- 9.6%
- Tier 1 capital
Data updated July 2026
The verdict
First Iowa State Bank earns a PlainBankData health grade of B (74/100), with 9.61% Tier 1 capital, profitable at 1.84% ROA, efficient (49% cost ratio).
- #2,153
- largest of 4,313 FDIC banks by assets
- 50th
- percentile by asset size, nationally
- 9.61%
- Tier 1 ratio - below the 10% well-capitalized line
- 87th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How First Iowa State Bank's 74/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
First Iowa State Bank's composite health score
Tier 1 Capital Ratio (9.61%) 18/40
Return on Assets (ROA) (1.84%) 25/25
Texas Ratio (12.47%) 16/20
Efficiency Ratio (48.80%) 15/15
74 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$340M
Customer-funded liabilities
Net Loans
$278M
Outstanding loan book
Net Income
$7M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where First Iowa State Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First Iowa State Bank's score of 74/100 falls in the highlighted band.
First Iowa State Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). First Iowa State Bank's $380M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
9.61% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
9.61%
Texas Ratio
12.47%
Equity Capital
$31M
Profitability metrics
Return on Assets (ROA)
87th percentile nationally
1.84%
Return on Equity (ROE)
23.44%
Efficiency Ratio
48.80%
What the numbers say about First Iowa State Bank
First Iowa State Bank is an FDIC-insured institution (Certificate #14930) headquartered in Albia, Iowa, established in 1930. It holds $380M in total assets - 2,153rd of 4,313 FDIC-insured banks, $340M in customer deposits, and $278M in net loans. On safety, its Tier 1 capital ratio of 9.61% is below the 10% well-capitalized threshold, and its Texas Ratio of 12.47% sits in the healthy range below 50%. It earns a PlainBankData health grade of B (74/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Iowa, First Iowa State Bank ranks 83rd of 230 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$22M
Interest Income
$1M
Non-Interest Income
$9M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. First Iowa State Bank reports a Texas Ratio of 12.47% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
12.47% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Iowa by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First Iowa State Bank (FDIC Cert #14930) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Iowa
All Iowa banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Principal BankDes Moines | $9.3B | A | 1.24% |
| Bankers Trust CompanyDes Moines | $7.5B | A | 1.10% |
| MidWestOne BankIowa City | $6.3B | A | 1.12% |
| Hills Bank and Trust CompanyHills | $4.6B | A | 1.33% |
| West BankWest Des Moines | $4.1B | A | 0.94% |
| Northwest BankSpencer | $3.0B | B | 1.03% |
| Cedar Rapids Bank and Trust CompanyCedar Rapids | $2.9B | A | 2.83% |
| Quad City Bank and Trust CompanyBettendorf | $2.7B | A | 1.30% |
Frequently asked questions
What is First Iowa State Bank's health grade?▼
First Iowa State Bank receives a health grade of B (74/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is First Iowa State Bank?▼
First Iowa State Bank holds $380M in total assets and $340M in deposits, ranking 2,153rd of 4,313 FDIC-insured banks by asset size. It is headquartered in Albia, Iowa.
Is my money safe at First Iowa State Bank?▼
Yes, deposits at First Iowa State Bank (Certificate #14930) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is First Iowa State Bank's Tier 1 Capital Ratio?▼
First Iowa State Bank has a Tier 1 Capital Ratio of 9.61%. The federal "well-capitalized" threshold is 10%. This bank meets the minimum 6% "adequately capitalized" standard.
What is the Texas Ratio for First Iowa State Bank?▼
First Iowa State Bank has a Texas Ratio of 12.47%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is First Iowa State Bank?▼
First Iowa State Bank has an Efficiency Ratio of 48.80%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read First Iowa State Bank's profile as a depositor or analyst.
- First Iowa State Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare First Iowa State Bank against other Iowa banks before moving funds. Iowa banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.