IOWA TRUST & SAVINGS BANK

EMMETSBURG, IA | Medium | Est. July 1, 1929, midnight | FDIC #18400 | RSSD #649342 | FDIC
Latest Report: 2025-12-31

IOWA TRUST & SAVINGS BANK is amn medium FDIC-insured commercial bank headquartered in EMMETSBURG, IA, established in July 1, 1929, midnight. As of 2025-12-31, the bank reported total assets of $523M and total deposits of $394M. Profitability stands at 1.04% ROA and 9.22% ROE, with a net interest margin of 3.49%. The bank's CET1 capital ratio is 12.98%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.43% and a Texas Ratio of 2.61%. FDIC Certificate #18400.

Assets

$523M

Deposits

$394M

Loans

$350M

Equity

$59M

Profitability

Return on Assets (ROA) 1.04%
Return on Equity (ROE) 9.22%
Net Interest Margin (NIM) 3.49%
Yield on Assets 5.60%
Cost of Funds 2.27%

Asset Quality

NPL Ratio 0.43%
Net Charge-Off Ratio -0.04%
Texas Ratio 2.61%
NPA Ratio 0.32%
ACL / Loans 1.65%

Capital & Liquidity

CET1 Ratio 12.98%
Tier 1 Capital 12.98%
Total Capital Ratio 14.24%
Leverage Ratio 10.65%
Loan-to-Deposit 88.81%

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