FDIC Cert #10243 · Golva, North Dakota · Est. 1914

First State Bank of Golva - FDIC Bank Health Profile

A community-scale look at First State Bank of Golva's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$117M
Total assets
A
Health grade · Excellent
2.52%
Return on assets
17.2%
Tier 1 capital

Data updated July 2026

The verdict

First State Bank of Golva earns a PlainBankData health grade of A (90/100), with well-capitalized at 17.24% Tier 1, profitable at 2.52% ROA, efficient (39% cost ratio).

#3,604
largest of 4,313 FDIC banks by assets
16th
percentile by asset size, nationally
17.24%
Tier 1 ratio - above the 10% well-capitalized line
96th
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 10243 · ND A · 90/100

GRADE-A · UPPER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-HEALTHY · ROA-STRONG · SIZE-MID · BOOK-FULL

  • GRADE-A A (90/100)
  • UPPER-Q #813/4307
  • PHOTO-FINISH Apex Bank · TN
  • TIER1-WELL 17.2% Tier 1
  • TEXAS-HEALTHY 15.9% Texas
  • ROA-STRONG 2.52% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside North Dakota: Apex Bank, TN (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around First State Bank of Golva

Lowest and highest poles plus nearest scored peers outside North Dakota, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Apex Bank · TN · near90/100First State Bank of… · ND · …90/100Park State Bank · MN · near90/100Provident Bank · NJ · near90/100Security Bank and Tr… · TN ·…90/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around First State Bank of Golva · July 2026

Plate reading for First State Bank of Golva where failures stay rare

First State Bank of Golva (FDIC Cert #10243) carries a PlainBankData health grade of A at 90/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #813 of 4,307. Tier 1 capital prints at 17.24%, clearing the 10% well-capitalized line. The Texas Ratio is 15.94%, inside the sub-50% band analysts treat as healthy. Return on assets is 2.52%. Balance-sheet scale is $117M, 3,604th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Apex Bank (TN), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around First State Bank of Golva

Zero FAILURE resolutions in North Dakota since 2000

First State Bank of Golva is headquartered in a state where FDIC FAILURE resolutions have been rare or absent since 2000 (0 of 578 nationwide). That is a historical count of closed institutions, not a forecast for this Call Report sheet.

  • FIRST FS & LA OF FARGO FARGO, ND 1991 → FIRST NB OF ND
  • FIRST NATIONAL BANK OF CROSBY CROSBY, ND 1990 → FIRST NATIONAL BANK & TRUST
  • THE FIRST STATE BANK OF REGENT REGENT, ND 1990 → FIRST NATIONAL BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and North Dakota banks.

How First State Bank of Golva's 90/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10090/100
First State Bank of Golva's composite health score
Tier 1 Capital Ratio (17.24%) 40/40
Return on Assets (ROA) (2.52%) 25/25
Texas Ratio (15.94%) 10/20
Efficiency Ratio (38.87%) 15/15

90 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$117M

Total balance-sheet footings

Total Deposits

$109M

Customer-funded liabilities

Net Loans

$46M

Outstanding loan book

Net Income

$3M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% 21% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 15.84% 17.24% 18.64%
Basel III capital ratios - First State Bank of Golva

Where First State Bank of Golva ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First State Bank of Golva's score of 90/100 falls in the highlighted band.

First State Bank of Golva: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

90 Top 19% higher than 81% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). Below this entry. 90–100: 815 FDIC-insured banks (19%). This entry sits in this band. First State Bank of Golva 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

First State Bank of Golva'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 State Bank of Golva's $117M falls in the highlighted band.

Safety metrics: First State Bank of Golva

Tier 1 capital ratio
Well-capitalized 10%

17.24% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
17.24%
Texas Ratio
15.94%
Equity Capital
$8M

What these ratios mean →

Earnings posture at First State Bank of Golva

Return on Assets (ROA)
96th percentile nationally
2.52%
Return on Equity (ROE)
42.13%
Efficiency Ratio
38.87%

What these mean →

Income & expense at First State Bank of Golva

$5M
Interest Income
$131K
Non-Interest Income
$2M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. First State Bank of Golva reports a Texas Ratio of 15.94% - within the generally healthy range below the 50% level analysts watch.

Texas Ratio
Caution 50%

15.94% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View First State Bank of Golva on FDIC BankFind →

Top banks in North Dakota by total assets

Largest banks headquartered in North Dakota
  1. 1
    Bell Bank $14.4B

    Fargo, ND · Grade C

  2. 2
    First International Bank & Trust $6.2B

    Watford City, ND · Grade B

  3. 3
    Choice Financial Group $6.0B

    Fargo, ND · Grade B

  4. 4
    Alerus Financial $5.2B

    Grand Forks, ND · Grade C

  5. 5
    Gate City Bank $4.0B

    Fargo, ND · Grade D

Top 5 banks in North Dakota ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($117M here), outside North Dakota so the neighborhood is not state containment.

First Community Bank $117M · IA Henderson Federal Savings Bank $117M · TX Countryside Bank $117M · NE Carver State Bank $117M · GA

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First State Bank of Golva (FDIC Cert #10243) - 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.

First State Bank of Golva Call Report profile · FDIC Failed Bank List · North Dakota FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in North Dakota

All North Dakota banks →
BankAssetsGradeROA
Bell BankFargo $14.4B C 0.59%
First International Bank & TrustWatford City $6.2B B 1.69%
Choice Financial GroupFargo $6.0B B 1.22%
Alerus Financial, National AssociationGrand Forks $5.2B C 0.42%
Gate City BankFargo $4.0B D 0.60%
Bravera BankDickinson $3.8B B 1.12%
Western State BankDevils Lake $2.6B A 1.79%
First Western Bank & TrustMinot $2.3B C 0.84%