SOUTH STORY BANK & TRUST

SLATER, IA | Medium | Est. Sept. 1, 1954, midnight | FDIC #17348 | RSSD #542340 | FDIC
Latest Report: 2025-12-31

SOUTH STORY BANK & TRUST is amn medium FDIC-insured commercial bank headquartered in SLATER, IA, established in Sept. 1, 1954, midnight. As of 2025-12-31, the bank reported total assets of $611M and total deposits of $472M. Profitability stands at 0.62% ROA and 5.42% ROE, with a net interest margin of 3.81%. The bank's CET1 capital ratio is 9.31%. Asset quality metrics show a non-performing loan ratio of 1.14% and a Texas Ratio of 9.53%. FDIC Certificate #17348.

Assets

$611M

Deposits

$472M

Loans

$555M

Equity

$71M

Profitability

Return on Assets (ROA) 0.62%
Return on Equity (ROE) 5.42%
Net Interest Margin (NIM) 3.81%
Yield on Assets 6.73%
Cost of Funds 3.07%

Asset Quality

NPL Ratio 1.14%
Net Charge-Off Ratio 0.26%
Texas Ratio 9.53%
NPA Ratio 1.22%
ACL / Loans 1.19%

Capital & Liquidity

CET1 Ratio 9.31%
Tier 1 Capital 9.31%
Total Capital Ratio 9.77%
Leverage Ratio 10.47%
Loan-to-Deposit 117.66%

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