First Trust and Savings Bank
Wheatland, IA·RSSD 640442·FDIC 8752·bank:640442·CBLR opted in
- #98 of 227Total assets in Iowa
- 8offices
- 47employees
Performance over time
23 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
FDIC reported categories · Shares of reported gross loans. Missing components are not treated as zero.
No material changes against peers this quarter
0 of 25 FORFI signals stand out against 1437 similar banks, based on FDIC data for the quarter.
Where First Trust and Savings Bank differs most from peers
Problem loans among the highest of similar banksContext: Asset quality3.21%peers 0.43%+278 bps
First Trust and Savings Bank's noncurrent loans as a share of loans was 3.21%, compared with a median of 0.43% among 1431 similar banks: higher than 95% of them.
| This institution | Peer median | Difference |
|---|---|---|
| Noncurrent loans as a share of loans | ||
| 3.21% | 0.43% | +278 bps |
Not a flagged change: this is where the institution sits furthest from similar institutions this quarter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. First Trust and Savings Bank itself is left out of every peer median and percentile. How signals work
Total assets growing faster than peersContext: Growth+15.0%peers +4.7%+10.3 pp
First Trust and Savings Bank's total assets grew 15.0% over the past year to $321 million. The median among 1437 similar banks was +4.7%.
| This institution | Peer median | Difference |
|---|---|---|
| Total assets, 12-month growth | ||
| +15.0% | +4.7% | +10.3 pp |
| Total assets | ||
| $321 million | ||
Not a flagged change: this is where the institution sits furthest from similar institutions this quarter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. First Trust and Savings Bank itself is left out of every peer median and percentile. How signals work
Deposits growing faster than peersContext: Funding+14.8%peers +4.3%+10.5 pp
First Trust and Savings Bank's deposits grew 14.8% over the past year to $272 million. The median among 1435 similar banks was +4.3%.
| This institution | Peer median | Difference |
|---|---|---|
| Deposits, 12-month growth | ||
| +14.8% | +4.3% | +10.5 pp |
| Deposits | ||
| $272 million | ||
Not a flagged change: this is where the institution sits furthest from similar institutions this quarter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. First Trust and Savings Bank itself is left out of every peer median and percentile. How signals work
Key facts
- First Trust and Savings Bank is a bank headquartered in Wheatland, Iowa. It reported $321 million in total assets for the quarter ended June 30, 2026.
- Deposits totaled $272 million, up 14.8% from a year earlier, and loans totaled $277 million, up 10.2%.
- Its net interest margin was 4.01% and its annualized return on assets was 1.54% for the quarter.
- Its cost of all deposits was 2.37%, compared with a median of 1.80% among 1432 similar banks with $300 million to $1 billion in assets.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With First Trust and Savings Bank's own data, FORFI would look at: Which borrowers and segments are migrating toward delinquency, before losses arrive.
Analysis workspaces
Sources and identifiers
- Institution
- First Trust and Savings Bank · Bank
- Federal Reserve RSSD
- 640442
- FDIC certificate
- 8752
- Reporting period
- Peer group
- 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. First Trust and Savings Bank itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
FDIC · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation | FDIC published reference |
|---|---|---|
| $1.22M | — | |
| $4.71M | — | |
| $1.72M | — | |
| $2.99M | — | |
| $209K | — | |
| $1.83M | — | |
| $102K | — | |
| $105K | — | |
| 1.54% | 1.54%ROAQ · Quarter | |
| 4.01% | 4.00%NIMYQ · Quarter | |
| 57.27% | 57.27%EEFFQR · adjusted · Quarter |
Credit-quality reconciliation · Source components agree. NALNLS (nonaccrual) + P9LNLS (90+ days accruing) = NCLNLS (noncurrent).
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-25T00:32:31.073937+00:00. Separate reference provenance is included in the export.