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.

From Q2 2025 to Q2 2026, the score rose 3 points (72 → 75), mostly because the earnings component improved by 11 points.

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

Yes. First State Bank is an FDIC-insured institution (FDIC certificate #5821). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 26.0% of deposits ($80.0M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.77%, 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

First State Bank lists 7 offices in 7 cities. Most locations:

• Agency, IA (1)
• Brooklyn, IA (1)
• Grinnell, IA (1)
• Lynnville, IA (1)
• Montezuma, IA (1)
• New Sharon, IA (1)
• Sully, IA (1)

All branch addresses and map

In 2025, First State Bank reported 185 home-loan applications under HMDA (LEI 254900EQCMVB0XTB5Y50): 184 originated ($22,650,000 total), 1 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.5%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

First State Bank

Type

State-chartered bank

FDIC certificate #

5821

RSSD ID

677448

Primary regulator

FDIC

Holding company

First State Bank Holding Co

Established

January 1, 1912

Headquarters

413 East St, Lynnville, IA 50153

Website

www.fsbankia.com

Employees

45