CHEROKEE STATE BANK

CHEROKEE, IA | Small | Est. Oct. 8, 1888, midnight | FDIC #951 | RSSD #205542 | FDIC
Latest Report: 2025-12-31

CHEROKEE STATE BANK is asn small FDIC-insured commercial bank headquartered in CHEROKEE, IA, established in Oct. 8, 1888, midnight. As of 2025-12-31, the bank reported total assets of $271M and total deposits of $212M. Profitability stands at 0.89% ROA and 8.92% ROE, with a net interest margin of 2.97%. The bank's CET1 capital ratio is 9.95%. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #951.

Assets

$271M

Deposits

$212M

Loans

$184M

Equity

$27M

Profitability

Return on Assets (ROA) 0.89%
Return on Equity (ROE) 8.92%
Net Interest Margin (NIM) 2.97%
Yield on Assets 5.26%
Cost of Funds 2.39%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.00%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 1.11%

Capital & Liquidity

CET1 Ratio 9.95%
Tier 1 Capital 9.95%
Total Capital Ratio 10.44%
Leverage Ratio 12.97%
Loan-to-Deposit 86.76%

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