First National Bank of Muscatine

First National Bank of Muscatine is headquartered in Muscatine and is the 53^rd largest bank in the state of Iowa. It is also the 2,223^rd largest bank in the nation. It was established in 1934 and as of September of 2011, it had grown to 80 employees at 5 locations. First National Bank of Muscatine has a 3-star health rating.

First National Bank of Muscatine Checking Account Rates

First National Bank of Muscatine Savings Account Rates

First National Bank of Muscatine Money Market Rates

First National Bank of Muscatine CD Rates

First National Bank of Muscatine IRA Rates

Data for Q3 2011

Institution Statistics First National Bank of Muscatine FDIC Certificate # 961 BankRate Report View Year Established 1934 Employees 80 Primary Regulator OCC Assets and Liabilities Assets $290.55 million Loans $214.59 million Deposits $247.73 million Equity Capital $29.50 million Loan Loss Allowance $3.85 million Unbacked Noncurrent Loans $8.34 million Real Estate Owned $220,000 Historic Data - September 2010 Assets $288.47 million Equity Capital $29.21 million Loan Loss Allowance $3.68 million Unbacked Noncurrent Loans $3.85 million Real Estate Owned $80,000 Profit Margin - Quarterly Net Interest Margin 3.24% Return on Assets 0.9% Return on Equity 9.04% Interest Income $8.88 million

Institution Health Overall Score: 3 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of September 30, 2011 First National Bank of Muscatine had $8.56 million in non-current loans and owned real-estate with $33.35 million in equity and loan loss allowances on hand to cover it. This gives First National Bank of Muscatine a Texas Ratio of 25.65% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for First National Bank of Muscatine increased slightly from 11.96% as of September 30, 2010 to 25.65% as of September 30, 2011, resulting in a negative change of 114.47%. This indicates that the balance sheet and financial strength for First National Bank of Muscatine has declined slightly in recent periods. Deposit Growth In the past year, First National Bank of Muscatine has increased its total deposits by $7.95 million, resulting in 3.32% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth First National Bank of Muscatine has shown is above average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. First National Bank of Muscatine has $290.55 million in assets with $33.35 million in equity, resulting in a capitalization level of 11.48%, which is above average.

No reviews have been left for this bank yet. Be the first to review.