TellerScore

Bank 1st (FDIC certificate #13816) is based in West Union, Iowa. Its Q2 2026 call report shows $166.1M in total assets and $128.6M in deposits and 3 offices.

Bank 1st has a TellerScore of 91 out of 100 (very strong) based on Q2 2026 data — higher than 96% of its 2,650 banks with $100 million – $1 billion. Among 226 banks headquartered in Iowa, it ranks 13th. Capital cushion contributes the most (100/100, 15.20%); earnings contributes the least (72/100, 1.30%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 15.20%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.00%
Earnings72/100
Return on assets (annualized): 1.30%
Funding & liquidity76/100
Loans ÷ deposits and uninsured-deposit share: 74.2% · 24.3% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.02%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (90 → 91).

TellerScore
828791Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202482
Q3 202486
Q4 202489
Q1 202589
Q2 202590
Q3 202589
Q4 202590
Q1 202689
Q2 202691
Tier 1 leverage ratio
5.00%10.46%15.91%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202414.19%
Q3 202414.64%
Q4 202415.20%
Q1 202515.30%
Q2 202515.60%
Q3 202515.91%
Q4 202515.11%
Q1 202614.89%
Q2 202615.20%
Noncurrent loans
0.00%0.15%0.30%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.30%
Q3 20240.00%
Q4 20240.00%
Q1 20250.00%
Q2 20250.00%
Q3 20250.05%
Q4 20250.04%
Q1 20260.00%
Q2 20260.00%
Return on assets
0.79%1.04%1.30%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.80%
Q3 20240.79%
Q4 20240.98%
Q1 20251.00%
Q2 20251.14%
Q3 20251.16%
Q4 20251.20%
Q1 20261.20%
Q2 20261.30%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202691$166.1M15.20%0.00%1.30%74.2%
Q1 202689$167.1M14.89%0.00%1.20%75.1%
Q4 202590$164.1M15.11%0.04%1.20%71.6%
Q3 202589$159.3M15.91%0.05%1.16%69.3%
Q2 202590$161.6M15.60%0.00%1.14%66.3%
Q1 202589$163.8M15.30%0.00%1.00%62.7%
Q4 202489$160.0M15.20%0.00%0.98%63.4%
Q3 202486$168.3M14.64%0.00%0.79%62.0%
Q2 202482$163.4M14.19%0.30%0.80%69.5%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio15.20%
88th
Total risk-based capital0.00%
24th
Problem loans0.00%
87th
Net charge-offs0.00%
68th
Return on assets1.30%
53rd
Net interest margin3.43%
24th
Efficiency ratio60.9%
54th
Loans to deposits74.2%
62nd
Uninsured deposits24.3%
49th
Loan-loss reserves1.45%
75th
Texas ratio0.0%
88th

Similar-size banks in Iowa

InstitutionScoreAssetsCapitalProblem loansCompare
Citizens Savings BankBank Anamosa, IA74 out of 100, Strong$165.9M9.5%0.00%vs
Union State BankBank Greenfield, IA71 out of 100, Strong$168.7M9.3%0.51%vs
Templeton Savings BankBank Templeton, IA93 out of 100, Very strong$169.6M14.5%0.00%vs
Atkins Savings Bank & TrustBank Atkins, IA83 out of 100, Strong$172.2M11.9%0.05%vs
Boone Bank & Trust Co.Bank Boone, IA48 out of 100, Below average$156.9M9.7%2.45%vs
Hiawatha Bank and Trust CompanyBank Hiawatha, IA74 out of 100, Strong$156.9M11.0%0.22%vs

Deposit insurance

Is my money safe at Bank 1st?

Yes. Bank 1st is an FDIC-insured institution (FDIC certificate #13816). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 24.3% of deposits ($31.3M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 15.20%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

3 locations

Branches

Bank 1st lists 2 offices in 2 cities. Most locations:

  • Saint Lucas, IA (1)
  • West Union, IA (1)

All branch addresses and map

Identity & history

Profile

Legal name
Bank 1st
Former names
The First National Bank of West Union
Type
State-chartered bank (Fed member)
FDIC certificate #
13816
RSSD ID
142049
Primary regulator
FED
Holding company
Fnb Banshares Inc
Established
January 1, 1934
Headquarters
115 N Vine St, West Union, IA 52175
Employees
19

Quick answers

Bank 1st: common questions

Is Bank 1st FDIC insured?

Yes. Bank 1st is an FDIC-insured institution (FDIC certificate #13816). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Bank 1st's TellerScore?

91 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Bank 1st ever failed?

There is no failure record for FDIC certificate #13816 in the FDIC failed bank list.

How many branches does Bank 1st have?

3 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near West Union

InstitutionScoreAssetsCapitalProblem loansCompare
Citizens Savings BankBank Spillville, IA88 out of 100, Very strong$151.1M15.5%0.05%vs
Community Bank of OelweinBank Oelwein, IA86 out of 100, Very strong$95.0M14.1%0.00%vs
Maynard Savings BankBank Maynard, IA83 out of 100, Strong$108.4M15.1%1.00%vs
Kerndt Brothers Savings BankBank Lansing, IA79 out of 100, Strong$347.2M10.9%0.65%vs
Northeast Security BankBank Sumner, IA77 out of 100, Strong$461.9M10.8%0.00%vs
FreedomBankBank Elkader, IA73 out of 100, Strong$433.9M10.7%0.26%vs