First State Bank (FDIC certificate #15321) is based in Webster City, Iowa. Its Q2 2026 call report shows $674.3M in total assets and $572.2M in deposits and 11 offices.
Based on its Q2 2026 filing, First State Bank scores 81/100, which we describe as strong. That is higher than 80% of 2,650 banks with $100 million – $1 billion. Among 226 banks headquartered in Iowa, it ranks 55th. Its strongest component is problem-loan coverage (99/100; 0.7%), and its lowest is funding & liquidity (65/100; 86% loans-to-deposits, 22% uninsured).
TellerScore · Q2 2026
Scorecard
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
From Q2 2025 to Q2 2026, the score rose 6 points (75 → 81), mostly because the earnings component improved by 16 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 76 |
| Q3 2024 | 77 |
| Q4 2024 | 79 |
| Q1 2025 | 74 |
| Q2 2025 | 75 |
| Q3 2025 | 78 |
| Q4 2025 | 79 |
| Q1 2026 | 81 |
| Q2 2026 | 81 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 12.17% |
| Q3 2024 | 12.42% |
| Q4 2024 | 12.57% |
| Q1 2025 | 12.40% |
| Q2 2025 | 12.42% |
| Q3 2025 | 12.31% |
| Q4 2025 | 12.32% |
| Q1 2026 | 12.63% |
| Q2 2026 | 12.40% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.01% |
| Q3 2024 | 0.02% |
| Q4 2024 | 0.05% |
| Q1 2025 | 0.29% |
| Q2 2025 | 0.25% |
| Q3 2025 | 0.14% |
| Q4 2025 | 0.16% |
| Q1 2026 | 0.07% |
| Q2 2026 | 0.12% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.75% |
| Q3 2024 | 0.83% |
| Q4 2024 | 1.04% |
| Q1 2025 | 0.88% |
| Q2 2025 | 0.98% |
| Q3 2025 | 1.09% |
| Q4 2025 | 1.39% |
| Q1 2026 | 1.44% |
| Q2 2026 | 1.38% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 81 | $674.3M | 12.40% | 0.12% | 1.38% | 86.5% |
| Q1 2026 | 81 | $629.6M | 12.63% | 0.07% | 1.44% | 91.5% |
| Q4 2025 | 79 | $626.7M | 12.32% | 0.16% | 1.39% | 93.1% |
| Q3 2025 | 78 | $643.8M | 12.31% | 0.14% | 1.09% | 87.3% |
| Q2 2025 | 75 | $608.6M | 12.42% | 0.25% | 0.98% | 92.4% |
| Q1 2025 | 74 | $592.8M | 12.40% | 0.29% | 0.88% | 95.9% |
| Q4 2024 | 79 | $590.6M | 12.57% | 0.05% | 1.04% | 98.1% |
| Q3 2024 | 77 | $595.7M | 12.42% | 0.02% | 0.83% | 92.6% |
| Q2 2024 | 76 | $575.3M | 12.17% | 0.01% | 0.75% | 95.4% |
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).
Similar-size banks in Iowa
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Midstates Bank, National AssociationBank Council Bluffs, IA | 79 out of 100, Strong | $653.9M | 11.6% | 0.29% | vs |
| Clear Lake Bank and Trust CompanyBank Clear Lake, IA | 75 out of 100, Strong | $649.3M | 8.5% | 0.00% | vs |
| Marion County State BankBank Pella, IA | 75 out of 100, Strong | $628.6M | 10.4% | 0.27% | vs |
| Liberty National BankBank Sioux City, IA | 71 out of 100, Strong | $624.4M | 10.3% | 0.00% | vs |
| South Story Bank & TrustBank Slater, IA | 57 out of 100, Moderate | $623.9M | 10.9% | 0.78% | vs |
| GNB BankBank Grundy Center, IA | 76 out of 100, Strong | $621.3M | 12.2% | 0.62% | vs |
Deposit insurance
Is my money safe at First State Bank?
Yes. First State Bank is an FDIC-insured institution (FDIC certificate #15321). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 22.4% of deposits ($128.4M) 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 12.40%, 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%).
11 locations
Branches
First State Bank lists 10 offices in 10 cities. Most locations:
- Armstrong, IA (1)
- Clarion, IA (1)
- Eagle Grove, IA (1)
- Estherville, IA (1)
- Fort Dodge, IA (1)
- Humboldt, IA (1)
- Jewell, IA (1)
- Lake View, IA (1)
- Stanhope, IA (1)
- Webster City, IA (1)
Identity & history
Profile
- Legal name
- First State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 15321
- RSSD ID
- 561145
- Primary regulator
- FDIC
- Holding company
- Van Diest Investment Co
- Established
- October 15, 1935
- Headquarters
- 505 2nd St, Webster City, IA 50595
- Website
- www.fsbwc.com
- Employees
- 118
Quick answers
First State Bank: common questions
Is First State Bank FDIC insured?
Yes. First State Bank is an FDIC-insured institution (FDIC certificate #15321). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is First State Bank's TellerScore?
81 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has First State Bank ever failed?
There is no failure record for FDIC certificate #15321 in the FDIC failed bank list.
How many branches does First State Bank have?
11 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Webster City
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| United Bank and Trust CompanyBank Hampton, IA | 97 out of 100, Very strong | $228.4M | 14.8% | 0.00% | vs |
| Security Savings BankBank Gowrie, IA | 89 out of 100, Very strong | $193.7M | 13.2% | 0.04% | vs |
| Citizens Community Credit UnionCredit union Fort Dodge, IA | 88 out of 100, Very strong | $253.6M | 19.1% | 0.73% | vs |
| First Citizens BankBank Mason City, IA | 81 out of 100, Strong | $1.8B | 12.0% | 0.16% | vs |
| First BankBank Waverly, IA | 78 out of 100, Strong | $739.9M | 12.7% | 0.54% | vs |
| GNB BankBank Grundy Center, IA | 76 out of 100, Strong | $621.3M | 12.2% | 0.62% | vs |