B
White State Bank
Rating Date
October 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
11.26
Return On
Assets
1.28%
Total
Assets
98.91M
Capital
11.02M
Total
Deposits
87.21M
Net
Income
655.00K
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Weiss Ratings White State Bank
South English, IA 		Click to
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Rating B
Asset Quality Index 8.80
Capitalization Index 10.00
Liquidity Index 5.10
Profitability Index 6.30
Stability Index 6.80
Company Info White State Bank
South English, IA 		Click to
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FDIC Number 8519
Phone Number (319) 667-5005
Website www.whitestatebank.com
Asset Quality White State Bank
South English, IA 		Click to
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1-Year Asset Growth -1.40%
5-Year Asset Growth 28.57%
5-Year Charge-Offs to Average Loans -0.04%
Charge-Offs to Average Loans -0.03%
Non-Performing Assets to Assets 0.00%
Non-Performing Loans to Capital 0.00%
Non-Performing Loans to Loans 0.00%
Balance Sheet White State Bank
South English, IA 		Click to
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Total Assets 98.91M
Total Deposits 87.21M
Capital and Reserves White State Bank
South English, IA 		Click to
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Capital 11.02M
Leverage Ratio 11.26
Loan Loss Reserves to Loans 1.76%
Risk-Based Capital Ratio --
Liquidity White State Bank
South English, IA 		Click to
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Hot Money Ratio 18.76%
Liquidity Ratio 66.08%
Profitability White State Bank
South English, IA 		Click to
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5-Year Return on Average Assets 1.32%
Net Income 655.00K
Net Interest Spread 3.25%
Operating Profit to Average Assets 1.71%
Overhead Efficiency Ratio 47.39%
Return on Assets 1.28%
Return on Equity 12.56%