EARLHAM SAVINGS BANK

WEST DES MOINES, IA | Small | Est. Jan. 1, 1931, midnight | FDIC #5796 | RSSD #645540 | FDIC
Latest Report: 2025-12-31

EARLHAM SAVINGS BANK is asn small FDIC-insured commercial bank headquartered in WEST DES MOINES, IA, established in Jan. 1, 1931, midnight. As of 2025-12-31, the bank reported total assets of $378M and total deposits of $341M. Profitability stands at -0.51% ROA and -5.36% ROE, with a net interest margin of 3.83%. The bank's CET1 capital ratio is 16.35%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.23% and a Texas Ratio of 1.32%. FDIC Certificate #5796.

Assets

$378M

Deposits

$341M

Loans

$230M

Equity

$35M

Profitability

Return on Assets (ROA) -0.51%
Return on Equity (ROE) -5.36%
Net Interest Margin (NIM) 3.83%
Yield on Assets 5.52%
Cost of Funds 1.73%

Asset Quality

NPL Ratio 0.23%
Net Charge-Off Ratio -0.61%
Texas Ratio 1.32%
NPA Ratio 0.14%
ACL / Loans 2.49%

Capital & Liquidity

CET1 Ratio 16.35%
Tier 1 Capital 16.35%
Total Capital Ratio 17.62%
Leverage Ratio 9.34%
Loan-to-Deposit 67.50%

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