POCAHONTAS STATE BANK

POCAHONTAS, IA | Small | Est. July 1, 1926, midnight | FDIC #234 | RSSD #402846 | FDIC
Latest Report: 2025-12-31

POCAHONTAS STATE BANK is asn small FDIC-insured commercial bank headquartered in POCAHONTAS, IA, established in July 1, 1926, midnight. As of 2025-12-31, the bank reported total assets of $123M and total deposits of $86M. Profitability stands at 1.58% ROA and 5.87% ROE, with a net interest margin of 2.85%. The bank's CET1 capital ratio is 24.48%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #234.

Assets

$123M

Deposits

$86M

Loans

$41M

Equity

$34M

Profitability

Return on Assets (ROA) 1.58%
Return on Equity (ROE) 5.87%
Net Interest Margin (NIM) 2.85%
Yield on Assets 4.52%
Cost of Funds 2.11%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.04%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 0.70%

Capital & Liquidity

CET1 Ratio 24.48%
Tier 1 Capital 24.48%
Total Capital Ratio 25.70%
Leverage Ratio 26.63%
Loan-to-Deposit 47.84%

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