IOWA STATE BANK

SAC CITY, IA | Small | Est. March 29, 1926, midnight | FDIC #10497 | RSSD #298049 | FDIC
Latest Report: 2025-12-31

IOWA STATE BANK is asn small FDIC-insured commercial bank headquartered in SAC CITY, IA, established in March 29, 1926, midnight. As of 2025-12-31, the bank reported total assets of $205M and total deposits of $179M. Profitability stands at 1.75% ROA and 14.89% ROE, with a net interest margin of 3.62%. The bank's CET1 capital ratio is 10.83%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.17% and a Texas Ratio of 3.77%. FDIC Certificate #10497.

Assets

$205M

Deposits

$179M

Loans

$166M

Equity

$24M

Profitability

Return on Assets (ROA) 1.75%
Return on Equity (ROE) 14.89%
Net Interest Margin (NIM) 3.62%
Yield on Assets 5.95%
Cost of Funds 2.44%

Asset Quality

NPL Ratio 0.17%
Net Charge-Off Ratio -0.01%
Texas Ratio 3.77%
NPA Ratio 0.49%
ACL / Loans 1.63%

Capital & Liquidity

CET1 Ratio 10.83%
Tier 1 Capital 10.83%
Total Capital Ratio 11.37%
Leverage Ratio 11.76%
Loan-to-Deposit 92.56%

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