BanksSIBLEY STATE BANK

SIBLEY STATE BANK

SIBLEY, IASmallEst. Jan. 1, 1894, midnightFDIC #11764RSSD #598543FDIC
Latest · 2025-12-31

SIBLEY STATE BANK is an 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%. CET1 capital ratio: 14.45%, well above regulatory minimums. NPL ratio: 0.09% · Texas Ratio: 0.55%. Operates 1 domestic branch.

Assets
$104M
Deposits
$90M
Loans
$70M
Equity
$11M

Profitability

Return on Assets (ROA)1.21%
Return on Equity (ROE)12.24%
Net Interest Margin3.84%
Yield on Assets5.16%
Cost of Funds1.40%

Asset Quality

NPL Ratio0.09%
Net Charge-Off Ratio0.09%
Texas Ratio0.55%
NPA Ratio0.06%
ACL / Loans1.15%

Capital & Liquidity

CET1 Ratio14.45%
Tier 1 Capital14.45%
Total Capital Ratio15.46%
Leverage Ratio10.94%
Loan-to-Deposit77.49%

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