The Readlyn Savings Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Problem loans are rising at The Readlyn Savings Bank. Based in Readlyn, Iowa, it had $148 million in assets at June 30, 2026, up 3.5% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 3.04% of loans from 1.24% a year earlier. It spends about 41 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 61 cents). It also holds common equity equal to 26.80% of its risk-weighted assets, higher than about 9 in 10 banks its size (median 15.12%).
Loans and deposits moved in opposite directions: over the year loans fell 8.1% and deposits rose 3.3%. The commercial and industrial book ($13 million) is worsening: 2.44% of it is past due or on nonaccrual, up from 1.24% a year earlier. Credit is the area to watch: it carries problem assets equal to 10.3% of the capital and reserves that would absorb them, 3.9 times the median of 2.6% for banks its size.
As of June 30, 2026, The Readlyn Savings Bank reported a CET1 capital ratio of 26.80%, a return on assets of 1.67%, a nonperforming-loan ratio of 3.04% and a Texas ratio of 10.33%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 141 Main St, Readlyn, IA 50668
- County
- Bremer
- Metro Area
- Waterloo-Cedar Falls, IA
- 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
- Trust powers grandfathered
- Call Report form
- FFIEC 041
- Established
- May 15, 1904
- Former names
- Readlyn Savings Bank (1980)
- Offices
- 2 domestic
- Employees (FTE)
- 11
- Domestic deposits
- $111.6M
- Allowance for credit losses
- $1.3M
- Net charge-offs (YTD)
- $0
- Average total assets
- $153.1M
- Average total loans
- $93.2M
- Average interest-bearing deposits
- $88.4M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 9300
- Fed RSSD
- 287342
- Website
- www.readlynsavingsbank.com →
- Parent Holding Company
- READLYN BANCSHARES, INC. (RSSD 1139327)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. The UBPR's YTD ROA divides by the average of the quarterly average assets the bank reports on Schedule RC-K, while FDIC BankFind divides by the average of quarter-end total assets, so FDIC's ROA can differ from the YTD figure by a few hundredths of a point.
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.
What the bank charged to earnings that quarter to build its allowance for expected losses.
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.
Inside the full The Readlyn Savings Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock The Readlyn Savings Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
The Readlyn Savings 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.
Metric pages for The Readlyn Savings Bank: CET1 ratio, Efficiency ratio.
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.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 26.80% | 1.67% | 3.04% | 10.33% | 3.29% |
| Q1 2026 | 26.29% | 1.79% | 0.70% | 2.47% | 3.39% |
| Q4 2025 | 26.22% | 2.15% | 0.00% | 0.00% | 3.85% |
| Q3 2025 | 25.89% | 1.48% | 1.30% | 4.76% | 3.12% |
| Q2 2025 | 24.86% | 1.95% | 1.24% | 4.88% | 3.44% |
| Q1 2025 | 24.62% | 1.79% | 0.10% | 0.40% | 3.33% |
| Q4 2024 | 25.13% | 1.67% | 0.00% | 0.00% | 3.36% |
| Q3 2024 | 25.15% | 1.72% | 0.00% | 0.00% | 3.39% |
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 2 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Readlyn Savings Bank | Readlyn , IA | 50668 | $56.9M |
| Tripoli Branch | Tripoli , IA | 50676 | $54.7M |
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 |
|---|---|---|---|
| December 4, 2021 | Structure Change | Acquired American Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 1, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
What the public regulatory sources show for The Readlyn Savings 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 196 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, $150K approved, $150K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2002 (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 The Readlyn Savings Bank
What are The Readlyn Savings Bank's total assets?
As of the Q2 2026 filing, The Readlyn Savings Bank reported total assets of $148.3 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is The Readlyn Savings Bank headquartered?
The Readlyn Savings Bank is headquartered in Readlyn, IA, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was The Readlyn Savings Bank founded?
The Readlyn Savings Bank was established in 1904, per the FDIC institution directory.
Is The Readlyn Savings Bank FDIC-insured?
Yes. The Readlyn Savings Bank is an FDIC-insured commercial bank (FDIC Certificate #9300). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Readlyn Savings Bank?
The Readlyn Savings Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is The Readlyn Savings Bank's CET1 capital ratio?
The Readlyn Savings Bank reported a Common Equity Tier 1 (CET1) capital ratio of 26.80% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The Readlyn Savings Bank operate?
The Readlyn Savings Bank operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Readlyn Savings Bank's Texas Ratio?
The Readlyn Savings Bank's Texas Ratio is 10.33% 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.
What was The Readlyn Savings Bank previously called?
The charter now named The Readlyn Savings Bank has also operated as Readlyn Savings Bank (1980), per FDIC structure-change records.
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