West Iowa Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
West Iowa Bank is growing quickly. Based in West Bend, Iowa, it had $222 million in assets at June 30, 2026, up 33.8% from a year earlier. It grew its loan book 44.3% over the year, 8.1 times the median of 5.5% for the 2,660 banks with $100 million to $1 billion in assets. It also carries problem assets equal to 0.0% of the capital and reserves that would absorb them, a small fraction of the median of 2.6% for banks its size.
Net income for the quarter rose 28% from a year earlier, to $630,000. Over the same year, loans grew 44.3% and deposits grew 38.2%. Its margin is thin by comparison: it keeps 3.17 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
As of June 30, 2026, West Iowa Bank reported a return on assets of 1.11%, a nonperforming-loan ratio of 0.01% and a Texas ratio of 0.05%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 319 S Broadway Ave, West Bend, IA 50597
- County
- Kossuth
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1926
- Offices
- 6 domestic
- Employees (FTE)
- 23
- Domestic deposits
- $183.0M
- Allowance for credit losses
- $1.5M
- Net charge-offs (YTD)
- -$10K
- Average total assets
- $227.4M
- Average total loans
- $129.3M
- Average interest-bearing deposits
- $144.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 9105
- Fed RSSD
- 137643
- Website
- http://www.westiowabank.com →
- Parent Holding Company
- WEST BEND BANCORP. (RSSD 1916760)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD. This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
No provision recorded in the last 12 quarters.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
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26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock West Iowa Bank, freeWest Iowa Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Banks merged into West Iowa Bank
- Home State Bank, effective May 16, 2026
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings. A community bank leverage ratio filer reports no CET1 ratio, so the first ratio column is the Tier 1 leverage ratio.
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.89% | 1.11% | 0.01% | 0.05% | 3.17% |
| Q1 2026 | 17.18% | 1.26% | 0.00% | 0.00% | 3.56% |
| Q4 2025 | 17.04% | 2.25% | 0.00% | 0.00% | 3.55% |
| Q3 2025 | 16.81% | 1.27% | 0.00% | 0.00% | 3.61% |
| Q2 2025 | 16.05% | 1.15% | 0.00% | 0.05% | 3.52% |
| Q1 2025 | 15.80% | 1.14% | 0.29% | 1.15% | 3.31% |
| Q4 2024 | 15.55% | 1.15% | 0.27% | 1.03% | 3.27% |
| Q3 2024 | 14.54% | 1.23% | 0.27% | 1.02% | 3.27% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 6 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| West Iowa Bank (main office) | West Bend , IA | 50597 | $89.1M |
| Home State Branch | Royal , IA | 51357 | $47.9M |
| Laurens Branch | Laurens , IA | 50554 | $20.2M |
| Algona Branch | Algona , IA | 50511 | $11.9M |
| Fenton Branch | Fenton , IA | 50539 | $7.1M |
| Bode Branch | Bode , IA | 50519 | $6.8M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| May 16, 2026 | Structure Change | Acquired Home State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 15, 2026 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 1, 1992 | Structure Change | Acquired Home Federal Savings and Loan Association, Federal Association Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 3 events.
Regulatory record
What the public regulatory sources show for West Iowa Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.1% of deposits in IA, rank 148 of 261 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $15K approved, $15K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1998 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about West Iowa Bank
What are West Iowa Bank's total assets?
As of the Q2 2026 filing, West Iowa Bank reported total assets of $222.1 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is West Iowa Bank headquartered?
West Iowa Bank is headquartered in West Bend, IA, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was West Iowa Bank founded?
West Iowa Bank was established in 1926, per the FDIC institution directory.
Is West Iowa Bank FDIC-insured?
Yes. West Iowa Bank is an FDIC-insured commercial bank (FDIC Certificate #9105). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates West Iowa Bank?
West Iowa Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does West Iowa Bank operate?
West Iowa Bank operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is West Iowa Bank's Texas Ratio?
West Iowa Bank's Texas Ratio is 0.05% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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