STATE BANK OF SCHALLER

SCHALLER, IA | Micro | Est. Jan. 1, 1898, midnight | FDIC #13931 | RSSD #534242 | FDIC
Latest Report: 2025-12-31

STATE BANK OF SCHALLER is amn micro FDIC-insured commercial bank headquartered in SCHALLER, IA, established in Jan. 1, 1898, midnight. As of 2025-12-31, the bank reported total assets of $40M and total deposits of $34M. Profitability stands at 1.04% ROA and 7.69% ROE, with a net interest margin of 3.17%. The bank's CET1 capital ratio is 13.43%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.35% and a Texas Ratio of 2.56%. FDIC Certificate #13931.

Assets

$40M

Deposits

$34M

Loans

$10M

Equity

$5M

Profitability

Return on Assets (ROA) 1.04%
Return on Equity (ROE) 7.69%
Net Interest Margin (NIM) 3.17%
Yield on Assets 4.94%
Cost of Funds 2.32%

Asset Quality

NPL Ratio 1.35%
Net Charge-Off Ratio 0.03%
Texas Ratio 2.56%
NPA Ratio 0.35%
ACL / Loans 1.58%

Capital & Liquidity

CET1 Ratio 13.43%
Tier 1 Capital 13.43%
Total Capital Ratio 14.10%
Leverage Ratio 13.55%
Loan-to-Deposit 30.52%

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