BanksIOWA STATE BANK

IOWA STATE BANK

SAC CITY, IASmallEst. March 29, 1926, midnightFDIC #10497RSSD #298049FDIC
Latest · 2025-12-31

IOWA STATE BANK is an 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%. CET1 capital ratio: 11.31%, well above regulatory minimums. NPL ratio: 0.17% · Texas Ratio: 3.77%. Operates 3 domestic branches.

Assets
$205M
Deposits
$179M
Loans
$166M
Equity
$24M

Profitability

Return on Assets (ROA)1.75%
Return on Equity (ROE)14.89%
Net Interest Margin3.62%
Yield on Assets5.95%
Cost of Funds2.44%

Asset Quality

NPL Ratio0.17%
Net Charge-Off Ratio-0.01%
Texas Ratio3.77%
NPA Ratio0.49%
ACL / Loans1.63%

Capital & Liquidity

CET1 Ratio11.31%
Tier 1 Capital11.31%
Total Capital Ratio11.88%
Leverage Ratio11.76%
Loan-to-Deposit92.56%

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