BanksPOCAHONTAS STATE BANK

POCAHONTAS STATE BANK

POCAHONTAS, IASmallEst. July 1, 1926, midnightFDIC #234RSSD #402846FDIC
Latest · 2025-12-31

POCAHONTAS STATE BANK is an 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 2.80%. CET1 capital ratio: 26.04%, well above regulatory minimums. NPL ratio: 0.00% · Texas Ratio: 0.00%. Operates 2 domestic branches.

Assets
$123M
Deposits
$86M
Loans
$41M
Equity
$34M

Profitability

Return on Assets (ROA)1.58%
Return on Equity (ROE)5.87%
Net Interest Margin2.80%
Yield on Assets4.44%
Cost of Funds2.11%

Asset Quality

NPL Ratio0.00%
Net Charge-Off Ratio0.00%
Texas Ratio0.00%
NPA Ratio0.00%
ACL / Loans0.70%

Capital & Liquidity

CET1 Ratio26.04%
Tier 1 Capital26.04%
Total Capital Ratio27.34%
Leverage Ratio26.63%
Loan-to-Deposit47.84%

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