TellerScore

First State Bank (FDIC certificate #57910) is based in Nashua, Iowa. Its Q2 2026 call report shows $72.5M in total assets and $61.7M in deposits and 1 office.

Based on its Q2 2026 filing, First State Bank scores 79/100, which we describe as strong. That is higher than 63% of 546 banks with under $100 million in assets. Among 226 banks headquartered in Iowa, it ranks 67th. Its strongest component is loan quality (100/100; 0.00%), and its lowest is capital cushion (57/100; 10.71%).

TellerScore · Q2 2026

Scorecard

Capital cushion57/100
Tier 1 leverage ratio: 10.71%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.00%
Earnings85/100
Return on assets (annualized): 1.62%
Funding & liquidity67/100
Loans ÷ deposits and uninsured-deposit share: 89.5% · 18.3% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.00%

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 (79 → 79).

TellerScore
767880Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202477
Q3 202476
Q4 202476
Q1 202577
Q2 202579
Q3 202580
Q4 202579
Q1 202678
Q2 202679
Tier 1 leverage ratio
5.00%8.24%11.48%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 202410.91%
Q3 202410.63%
Q4 202410.32%
Q1 202510.66%
Q2 202510.97%
Q3 202511.48%
Q4 202511.22%
Q1 202610.85%
Q2 202610.71%
Noncurrent loans
-1.00%0.00%1.00%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.00%
Q2 20250.00%
Q3 20250.00%
Q4 20250.00%
Q1 20260.00%
Q2 20260.00%
Return on assets
1.21%1.41%1.62%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20241.21%
Q3 20241.21%
Q4 20241.24%
Q1 20251.30%
Q2 20251.43%
Q3 20251.49%
Q4 20251.49%
Q1 20261.50%
Q2 20261.62%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202679$72.5M10.71%0.00%1.62%89.5%
Q1 202678$72.2M10.85%0.00%1.50%89.1%
Q4 202579$69.9M11.22%0.00%1.49%95.1%
Q3 202580$65.8M11.48%0.00%1.49%94.7%
Q2 202579$67.3M10.97%0.00%1.43%89.2%
Q1 202577$67.6M10.66%0.00%1.30%92.6%
Q4 202476$68.7M10.32%0.00%1.24%84.3%
Q3 202476$68.1M10.63%0.00%1.21%92.0%
Q2 202477$66.0M10.91%0.00%1.21%91.1%

546 peers · Under $100 million in assets

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 ratio10.71%
27th
Total risk-based capital0.00%
27th
Problem loans0.00%
84th
Net charge-offs0.00%
58th
Return on assets1.62%
79th
Net interest margin3.99%
56th
Efficiency ratio44.1%
95th
Loans to deposits89.5%
19th
Uninsured deposits18.3%
40th
Loan-loss reserves0.95%
28th
Texas ratio0.0%
85th

Similar-size banks in Iowa

InstitutionScoreAssetsCapitalProblem loansCompare
Farmers State BankBank Yale, IA90 out of 100, Very strong$72.6M12.0%0.00%vs
First Heritage BankBank Shenandoah, IA79 out of 100, Strong$72.1M10.2%0.00%vs
State BankBank Spencer, IA61 out of 100, Moderate$74.9M8.3%0.70%vs
The Farmers State BankBank Marcus, IA88 out of 100, Very strong$77.2M13.2%0.51%vs
Citizens Savings BankBank Marshalltown, IA74 out of 100, Strong$77.9M9.9%0.00%vs
Sloan State BankBank Sloan, IA53 out of 100, Below average$78.9M10.9%4.28%vs

Deposit insurance

Is my money safe at First State Bank?

Yes. First State Bank is an FDIC-insured institution (FDIC certificate #57910). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 18.3% of deposits ($11.3M) are above the $250,000 FDIC insurance limit, above the peer median of 16%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.71%, 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

1 location

Branches

First State Bank lists 1 office in 1 city. Most locations:

  • Nashua, IA (1)

All branch addresses and map

Identity & history

Profile

Legal name
First State Bank
Type
State-chartered bank
FDIC certificate #
57910
RSSD ID
3285246
Primary regulator
FDIC
Holding company
Readlyn Bancshares Inc
Established
February 21, 2005
Headquarters
401 Main St, Nashua, IA 50658
Employees
9

Quick answers

First State Bank: common questions

Is First State Bank FDIC insured?

Yes. First State Bank is an FDIC-insured institution (FDIC certificate #57910). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First State Bank's TellerScore?

79 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 #57910 in the FDIC failed bank list.

How many branches does First State Bank have?

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Nashua

InstitutionScoreAssetsCapitalProblem loansCompare
Family Community Credit UnionCredit union Charles City, IA82 out of 100, Strong$26.3M12.1%0.08%vs
First Citizens BankBank Mason City, IA81 out of 100, Strong$1.8B12.0%0.16%vs
First BankBank Waverly, IA78 out of 100, Strong$739.9M12.7%0.54%vs
Security State BankBank Sutherland, IA77 out of 100, Strong$492.3M11.1%0.23%vs
Northeast Security BankBank Sumner, IA77 out of 100, Strong$461.9M10.8%0.00%vs
CUSB BankBank Cresco, IA74 out of 100, Strong$812.1M12.3%0.65%vs