# FIRST IOWA STATE BANK
ALBIA, IA · FDIC certificate 14930 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $396.1M | |
| Deposits | $359.0M | |
| Loans and leases | $293.1M | |
| Total equity | $34.4M | |
| Loans / deposits | 80.22% (p46 of band) | 82.04% |
| Liquid assets / assets | 23.94% (p47 of band) | |
| Uninsured deposits / deposits | 28.80% (p62 of band) | 25.97% |
| Brokered deposits | 5.05% | |
| Wholesale funding | 5.32% (p59 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.20% (p39 of band) | 10.81% |
| Unrealized securities loss / equity | -20.05% (p23 of band) | -8.10% |
| AOCI / equity | -1.46% (p13 of band) | |
| ROA (annualized) | 2.03% (p87 of band) | 1.28% |
| Net interest margin | 4.73% (p89 of band) | 3.91% |
| Efficiency ratio | 46.63% (p12 of band) | |
| Noncurrent loans | 2.12% (p89 of band) | 0.43% |
| Net charge-offs (annualized) | 0.54% (p97 of band) | |
| Reserve coverage of noncurrent | 82.55% | |
| Real estate % of loans | 69% | |
| Construction % of loans | 2.76% (p7 of band) | |
| Auto loans | $1.8M (0.63% of loans; DQ 0.54%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 8.4% | |
| Employees | 52 | |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | charge-offs p90 |  |
| 2011-06 | 0 |  | charge-offs p90 |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | uninsured deposits leaving |  |
| 2012-06 | 0 |  | uninsured deposits leaving |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 4 | capital falling, NIM <2.5%, reserve under noncurrent, assets shrinking |  |
| 2013-06 | 3 |  | NIM <2.5% |
| 2013-09 | 2 |  | capital falling |
| 2013-12 | 1 |  | assets shrinking |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 0 |  | reserve under noncurrent |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | capital falling |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 0 |  | capital falling |
| 2015-12 | 0 |  |  |
| 2016-03 | 2 | reserve under noncurrent, deposits shrinking |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 1 |  | deposits shrinking |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 0 |  | reserve under noncurrent |
| 2017-09 | 1 | capital falling |  |
| 2017-12 | 1 | reserve under noncurrent | capital falling |
| 2018-03 | 3 | noncurrent p90, assets shrinking |  |
| 2018-06 | 3 | charge-offs p90 | assets shrinking |
| 2018-09 | 3 |  |  |
| 2018-12 | 1 |  | reserve under noncurrent, noncurrent p90 |
| 2019-03 | 2 | reserve under noncurrent |  |
| 2019-06 | 0 |  | charge-offs p90, reserve under noncurrent |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 0 |  | noncurrent p90, reserve under noncurrent |
| 2020-12 | 1 | reserve under noncurrent |  |
| 2021-03 | 2 | capital falling |  |
| 2021-06 | 3 | noncurrent p90 |  |
| 2021-09 | 3 |  |  |
| 2021-12 | 1 |  | reserve under noncurrent, noncurrent p90 |
| 2022-03 | 1 | AOCI drag >20% of equity | capital falling |
| 2022-06 | 2 | securities losses >30% of equity |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 |  |  |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 1 |  | AOCI drag >20% of equity |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 0 |  | securities losses >30% of equity |
| 2024-12 | 1 | securities losses >30% of equity |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 2 | noncurrent p90, reserve under noncurrent | securities losses >30% of equity |
| 2025-09 | 0 |  | noncurrent p90, reserve under noncurrent |
| 2025-12 | 1 | capital falling |  |
| 2026-03 | 2 | charge-offs p90, reserve under noncurrent | capital falling |
| 2026-06 | 2 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-01-14 [Iowans speak about how federal government can help small businesses at committee meeting in D.C. - KCRG](https://news.google.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?oc=5) · KCRG
- 2020-07-01 [Catherine Spencer Obituary Jul 1, 2020 - McGinnis-Chambers Funeral Home](https://news.google.com/rss/articles/CBMib0FVX3lxTFB1QmFJQ1NrUGdJWkRfYnZIOUxONmM4TTNob2d5VjRVSjN1MW52QzE5LXVNUGhLc2kzaDgxYm1GQ0RDNkFBZ0hVU0xYY1JKR09WM2xBMWVBSENFcjhjTGlNY0VxUktMMTd6YldqOElXNA?oc=5) · McGinnis-Chambers Funeral Home
- 2018-10-22 [Mary Sulentic Obituary Oct 22, 2018 - Halligan-McCabe-DeVries Funeral Home](https://news.google.com/rss/articles/CBMiZkFVX3lxTE51QmZLOTVRaTZlcEdQVWpSOEpzdzFMdEFTSnVzR25YQ0U5elp4RHBEYnZ4OC1DTloxT1JUeS14UURmWGJicElVZ3lpM0tyaTEwa3BfS1I2LTdIVDY3VXZxTlk4X3hXZw?oc=5) · Halligan-McCabe-DeVries Funeral Home
- 2026-05-13 [Roma "Janette" Flahive Obituary (2026) - Albia, IA - Tharp Funeral Home and Crematory - legacy.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxOOWVLT29lMlFGRFFEVjE4RWg4VGRENkwxNzRoNHhsSU04MWZwNHk2NFdSRF9iemdfdFAyVC1tdUxYVGZrTkZvQ05iQ19NbUpNWk9WQk1lRFVOS3BNOGtjRGRONmxsbHdxd0pmRGlJcXR1TjB6OWxUWFBBb1c2R2p0TQ?oc=5) · legacy.com
- 2021-05-25 [Seniors reap rewards from hard work - albianews.com](https://news.google.com/rss/articles/CBMihwFBVV95cUxQd1lqTTZ5YVBmTHVwR0gzZzlhWFhpRENGUWRJcF9HY0ZTNFJYaWxqZmNCek9kOHlkV2swelUwWjNGRVVFLVNTOFBiMVRuWE1MeDFYSEtiM2RGWHhERGdSTmk2cm5JMXpIbnpoY3I4QXQxU0pFNUwxdmlQMy1QV1U5aW8ydDVSM3M?oc=5) · albianews.com
- 2009-11-17 [Thorne pleads guilty; sentencing scheduled for Dec. 11 - Ottumwa Courier](https://news.google.com/rss/articles/CBMi4wFBVV95cUxPRVBST0VBMHZBaEhlc3pvWjl4X09vNl9HY1pkTFFLWnpRYkV4R2dpcXRUbHNSamgwVlVlNXU0YlRxcEdYUHRxUGgzNmlWc2x0X1RrZTBOWUdYLXQ1cnhXYTNiaXBxMjhndldhNk11bkI3ZGJyLXp0d0o2dXZpbG5wVU4yMEx0ZHpBQjExT3dEdWk5R1FtQnhUTGg3TVdreHJSVlFCblpiZWY4X1dvcnJrSWlUZWRXWWtVLTdOdnVaSzVPbXpCZ0VncFgzRU9ndXotSFJheHVCNjd3NEptZXNxM1QxVQ?oc=5) · Ottumwa Courier
- 2026-07-30 [East wall of historic Skean’s Block building collapses into Princeton Alley Sunday - albianews.com](https://news.google.com/rss/articles/CBMihwFBVV95cUxPdlZVX0dhUktfa3IzR2JJdlJ6X1FHdVpnUzdEN09pOExuMUlJMWVaMXNUUFZ5ckxGdGtDQ2YxNTFxcHcwRGxnVTU0YmcyY1ZWYTdtNmhIOUVxLWtCdkFVTDJtaXIxUUpkRXhQQVJmbUplQXFlbWFmSTY2aTN6NmxZR3lhVUF4UEk?oc=5) · albianews.com
- 2006-11-15 [History and holidays wrapped in one package - Ottumwa Courier](https://news.google.com/rss/articles/CBMi1wFBVV95cUxPejVwRWFkdjFNMnU0YnVKOVppN2FJeHU0cmR1SXEwOU5LQnVDbURPWk1BNTRFRGE3QWhNV1pTUDVkaExnbGxaQ2VZcG9vWk5YdkNQSTZJUzhtQTNpWkNvN1hIQzFmOU1oZ0JXcVJhSnRER1hOX1Y4cU85cWM1TWJpME9kOVl2cm9ST0tyZjV3WURYeHBFYmNRYllQd25PSTlLaEV4eGZfTnFhQUhPZUI4RmlGM1dSZlRnVHpkWklsSEFjQ0FhTGtlakJRcFlWSFQ1NWxlSXlrTQ?oc=5) · Ottumwa Courier

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=14930 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/18.json (key "14930", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide