BanksSTATE BANK OF SCHALLER

STATE BANK OF SCHALLER

SCHALLER, IAMicroEst. Jan. 1, 1898, midnightFDIC #13931RSSD #534242FDIC
Latest · 2025-12-31

STATE BANK OF SCHALLER is an 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%. CET1 capital ratio: 13.43%, well above regulatory minimums. NPL ratio: 1.35% · Texas Ratio: 2.56%. Operates 1 domestic branch.

Assets
$40M
Deposits
$34M
Loans
$10M
Equity
$5M

Profitability

Return on Assets (ROA)1.04%
Return on Equity (ROE)7.69%
Net Interest Margin3.17%
Yield on Assets4.94%
Cost of Funds1.90%

Asset Quality

NPL Ratio1.35%
Net Charge-Off Ratio0.03%
Texas Ratio2.56%
NPA Ratio0.35%
ACL / Loans1.58%

Capital & Liquidity

CET1 Ratio13.43%
Tier 1 Capital13.43%
Total Capital Ratio14.10%
Leverage Ratio13.55%
Loan-to-Deposit30.52%

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