SIBLEY STATE BANK

SIBLEY, IA | Small | Est. Jan. 1, 1894, midnight | FDIC #11764 | RSSD #598543 | FDIC
Latest Report: 2025-12-31

SIBLEY STATE BANK is asn small FDIC-insured commercial bank headquartered in SIBLEY, IA, established in Jan. 1, 1894, midnight. As of 2025-12-31, the bank reported total assets of $104M and total deposits of $90M. Profitability stands at 1.21% ROA and 12.24% ROE, with a net interest margin of 3.84%. The bank's CET1 capital ratio is 14.45%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.09% and a Texas Ratio of 0.55%. FDIC Certificate #11764.

Assets

$104M

Deposits

$90M

Loans

$70M

Equity

$11M

Profitability

Return on Assets (ROA) 1.21%
Return on Equity (ROE) 12.24%
Net Interest Margin (NIM) 3.84%
Yield on Assets 5.16%
Cost of Funds 1.81%

Asset Quality

NPL Ratio 0.09%
Net Charge-Off Ratio 0.09%
Texas Ratio 0.55%
NPA Ratio 0.06%
ACL / Loans 1.15%

Capital & Liquidity

CET1 Ratio 14.45%
Tier 1 Capital 14.45%
Total Capital Ratio 15.46%
Leverage Ratio 10.94%
Loan-to-Deposit 77.49%

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