Bank · FDIC insured
First State Bank
A $674.3M bank headquartered in Webster City, IA, with 8 branches in Iowa.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: rates are not published online. Savings: only special-purpose accounts (IRA, youth) are published. Auto loans: no rates found on its website. Credit cards: only rates Carrot doesn’t compare are published (introductory, refinance or business rates, or none at all).
- Savings—1.75%Needs another account or monthly activitySavings rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About First State Bank
Founded in 1935, First State Bank is a locally owned, independent community bank headquartered in Webster City, Iowa.
Operating eight branch locations across Central and Northern Iowa, the bank expanded into Estherville and Armstrong by merging with NorthStar Bank in September 2026.
- Headquarters
- 505 2nd St, Webster City, IA 50595
- FDIC certificate
- 15321 ↗
Branches
8 branches in Iowa
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Iowa
8 branches
Webster City area · 1
- First State BankMain office505 2nd St, Webster City, IA 50595Directions
Clarion area · 1
- First State Bank714 Central Ave E, Clarion, IA 50525Directions
Eagle Grove area · 1
- Eagle Grove Branch323 S Commercial Ave, Eagle Grove, IA 50533Directions
Fort Dodge area · 1
- First State Bank3031 5th Ave S, Fort Dodge, IA 50501Directions
Humboldt area · 1
- Humboldt Branch605 13th St N, Humboldt, IA 50548Directions
Jewell area · 1
- Jewell Branch548 Main St, Jewell, IA 50130Directions
Lake View area · 1
- Lake View Permanent Branch930 9th Street, Lake View, IA 51450Directions
Stanhope area · 1
- Stanhope Branch600 Park St, Stanhope, IA 50246Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 12.40% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.12% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.38% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $87 | $81 | — |
- CapitalLeverage ratio12.40%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.12%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.38%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$87Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of First State Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.