WEST IOWA BANK

WEST BEND, IA | Small | Est. Jan. 1, 1926, midnight | FDIC #9105 | RSSD #137643 | FDIC
Latest Report: 2025-12-31

WEST IOWA BANK is asn small FDIC-insured commercial bank headquartered in WEST BEND, IA, established in Jan. 1, 1926, midnight. As of 2025-12-31, the bank reported total assets of $170M and total deposits of $132M. Profitability stands at 2.29% ROA and 14.11% ROE, with a net interest margin of 3.65%. The bank's CET1 capital ratio is 15.50%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #9105.

Assets

$170M

Deposits

$132M

Loans

$95M

Equity

$28M

Profitability

Return on Assets (ROA) 2.29%
Return on Equity (ROE) 14.11%
Net Interest Margin (NIM) 3.65%
Yield on Assets 5.15%
Cost of Funds 1.68%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.08%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 1.23%

Capital & Liquidity

CET1 Ratio 15.50%
Tier 1 Capital 15.50%
Total Capital Ratio 16.28%
Leverage Ratio 17.04%
Loan-to-Deposit 72.23%

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