First Nb Ames Iowa
Ames, Iowa · FDIC Cert #1545
First Nb Ames Iowa is an FDIC-insured bank (Certificate #1545) with $1.1B in total assets and $935M in total deposits as of the Q2 2024 Call Report. Headquartered in Ames, Iowa, the bank maintains a Tier 1 capital ratio of 12.98% (Well-Capitalized) and a nonperforming loan ratio of 1.43%. BankHealthData assigns a composite Health Grade of B (79/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
First Nb Ames Iowa (FDIC cert 1545) is a mid-sized bank with $1.1B in total assets and $935M in deposits, based in Ames, Iowa. Mid-sized banks typically operate regionally with a mix of commercial and consumer lending.
Capital position is strong: Tier 1 capital ratio of 12.98% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is normal: non-performing loan ratio of 1.43% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is comfortable: 34.4% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is thin: ROA of 0.36% runs below the 1% benchmark. Thin margins can reflect cyclical net-interest-margin pressure, elevated provisions for loan losses, or operating-cost inefficiency. Health-score trend is mildly negative across recent quarters. Mild declines can reflect either specific quarterly events (large one-time provisions, deposit shifts) or the early stages of broader pressure. First Nb Ames Iowa carries a composite BankHealth grade of B (79/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: First Nb Ames Iowa
- Total Assets
- $1.1B
- Total Deposits
- $935M
- Tier 1 Capital Ratio
- 12.98%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 1.43%
- Liquidity Ratio
- 34.37%
- Return on Assets
- 0.36%
- Headquarters
- Ames, Iowa
- FDIC Certificate
- #1545
- Health Grade
- B (79/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, First Nb Ames Iowa holds a Tier 1 capital ratio of 12.98%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning First Nb Ames Iowa has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
First Nb Ames Iowa shows strong financial health indicators. With $1.1B in assets and a Health Score of 79/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How First Nb Ames Iowa Compares
First Nb Ames Iowa’s Health Score of 79 is 11 points above the Iowa state average of 68 across 162 FDIC-insured banks. Its 12.98% Tier 1 capital ratio is 1.0 points below the US banking industry average near 14%. The 1.43% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 0.36% is below the national ROA benchmark of ~1.1%. Among 963 similarly-sized banks, the average Health Score is 71, meaning this bank ranks above its size cohort. Site-wide, First Nb Ames Iowa is 9 points above the portfolio average of 70.
Frequently Asked Questions
First Nb Ames Iowa has a Bank Health Score of B (79/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 12.98%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. First Nb Ames Iowa's Tier 1 capital ratio of 12.98% and nonperforming loan ratio of 1.43% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at First Nb Ames Iowa is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #1545). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
First Nb Ames Iowa holds $1.1B in total assets and $935M in total deposits. It is headquartered in Ames, Iowa (FDIC Certificate #1545).
First Nb Ames Iowa has a Tier 1 capital ratio of 12.98%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 1.43%, and the return on assets is 0.36%.
Yes. First Nb Ames Iowa is FDIC-insured (Certificate #1545). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
First Nb Ames Iowa's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.