IOWA TRUST AND SAVINGS BANK

CENTERVILLE, IA | Small | Est. Jan. 1, 1896, midnight | FDIC #1547 | RSSD #202541 | FDIC
Latest Report: 2025-12-31

IOWA TRUST AND SAVINGS BANK is asn small FDIC-insured commercial bank headquartered in CENTERVILLE, IA, established in Jan. 1, 1896, midnight. As of 2025-12-31, the bank reported total assets of $200M and total deposits of $140M. Profitability stands at 0.56% ROA and 5.00% ROE, with a net interest margin of 4.01%. The bank's CET1 capital ratio is 11.07%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.01% and a Texas Ratio of 0.06%. FDIC Certificate #1547.

Assets

$200M

Deposits

$140M

Loans

$95M

Equity

$22M

Profitability

Return on Assets (ROA) 0.56%
Return on Equity (ROE) 5.00%
Net Interest Margin (NIM) 4.01%
Yield on Assets 5.48%
Cost of Funds 1.93%

Asset Quality

NPL Ratio 0.01%
Net Charge-Off Ratio --
Texas Ratio 0.06%
NPA Ratio 0.01%
ACL / Loans 1.48%

Capital & Liquidity

CET1 Ratio 11.07%
Tier 1 Capital 11.07%
Total Capital Ratio 11.63%
Leverage Ratio 13.84%
Loan-to-Deposit 67.59%

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