Side-by-side · Q2 2026 data
First State Bank vs Iowa State Bank and Trust Company of Fairfield, Iowa
Bank
Iowa State Bank and Trust Company of Fairfield, Iowa
Fairfield, Iowa · $100 million – $1 billion
Metric by metric
| Measure | First State Bank | Iowa State Bank and Trust Company of Fairfield, Iowa |
|---|---|---|
| TellerScore | 75 (stronger) | 64 |
| Capital cushion | 48 (stronger) | 30 |
| Loan quality | 93 | 97 (stronger) |
| Earnings | 100 (stronger) | 70 |
| Funding & liquidity | 53 (stronger) | 48 |
| Problem-loan coverage | 97 | 98 (stronger) |
| Peer percentile | 61st | 26th |
| Total assets | $384.2M | $352.1M |
| Deposits / shares | $308.1M | $300.9M |
| Capital ratio | 9.77% (stronger) | 8.01% |
| Problem loans | 0.21% | 0.10% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.03% |
| Return on assets | 2.11% (stronger) | 1.24% |
| Loans ÷ deposits | 95.6% | 83.3% (stronger) |
| Uninsured deposits | 26.0% (stronger) | 40.7% |
| Offices | 7 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.5% | — |
First State Bank has the higher TellerScore (75 vs 64). On the 7 directional measures above (where higher or lower is clearly better), First State Bank leads on 5 and Iowa State Bank and Trust Company of Fairfield, Iowa on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.