First Iowa State Bank: how it compares with its peers
Against 109 IA banks with half to twice its assets, First Iowa State Bank's strongest measure in Q2 2026 is net interest margin (4.73% vs. a 3.59% peer median). Its weakest relative measure is assets per employee ($7.6M vs. $8.4M).
| Measure | First Iowa State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.03% | 1.39% | Top third Ahead of 91% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.73% | 3.59% | Top third Ahead of 99% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 46.63% | 55.05% | Top third Ahead of 87% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.6M | $8.4M | Bottom third Ahead of 33% of peers |
| Loans to deposits Net loans and leases over total deposits. | 80.22% | 83.31% | Context |
What it means for lending operations
Its efficiency ratio of 46.63% is better than the 55.05% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- The Clinton National Bank Clinton, IA · $396M
- Iowa State Bank Clarksville, IA · $393M
- Hardin County Savings Bank Eldora, IA · $402M
- First State Bank Lynnville, IA · $384M
- The Libertyville Savings Bank Fairfield, IA · $384M
- Earlham Savings Bank West Des Moines, IA · $383M
Questions about First Iowa State Bank
How big is First Iowa State Bank?
First Iowa State Bank, established in 1930, is headquartered in Albia, IA. It reported $396M in total assets in its Q2 2026 FDIC call report and operates 6 offices.
What is First Iowa State Bank's return on assets?
2.03% annualized in Q2 2026, against a 1.39% median for 109 IA banks with half to twice its assets, ahead of 91% of them.
What is First Iowa State Bank's efficiency ratio?
46.63% in Q2 2026: it spent about 47 cents in noninterest expense for each dollar of revenue. The peer median is 55.05%, and lower is better.
Is First Iowa State Bank growing its loans?
Net loans grew 8.6% over the year to Q2 2026, while deposits grew 8.4%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are IA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Iowa bank ranked.