IOWA TRUST & SAVINGS BANK
IOWA TRUST & SAVINGS BANK is an FDIC-insured commercial bank headquartered in EMMETSBURG, IA, established in 1929. As of , 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 3.47%. CET1 capital ratio: 12.98%, well above regulatory minimums. NPL ratio: 0.43% · Texas Ratio: 2.61%. Operates 4 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios.
Iowa Trust & Savings Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 12.98% | 1.04% | 0.43% | 2.61% | 3.47% |
| 2025-09-30 | 12.55% | 0.64% | 0.16% | 4.27% | 3.36% |
| 2025-06-30 | 12.07% | 2.27% | 0.10% | 4.10% | 3.29% |
| 2025-03-31 | 11.32% | 0.78% | 0.33% | 5.57% | 3.19% |
| 2024-12-31 | 10.92% | 0.82% | 0.81% | 5.65% | 3.02% |
| 2024-09-30 | 10.74% | 0.47% | 0.95% | 6.38% | 3.08% |
| 2024-06-30 | 10.86% | 0.76% | 0.82% | 5.57% | 3.30% |
| 2024-03-31 | 10.12% | 0.59% | 0.80% | 5.27% | 3.30% |
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Frequently asked about IOWA TRUST & SAVINGS BANK
What are Iowa Trust & Savings Bank's total assets?
As of the Q4 2025 filing, Iowa Trust & Savings Bank reported total assets of $523.4 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Iowa Trust & Savings Bank headquartered?
Iowa Trust & Savings Bank is headquartered in EMMETSBURG, IA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Iowa Trust & Savings Bank founded?
Iowa Trust & Savings Bank was established in 1929, per the FDIC institution directory.
Is Iowa Trust & Savings Bank FDIC-insured?
Yes. Iowa Trust & Savings Bank is an FDIC-insured commercial bank (FDIC Certificate #18400). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Iowa Trust & Savings Bank?
Iowa Trust & Savings Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Iowa Trust & Savings Bank's CET1 capital ratio?
Iowa Trust & Savings Bank reported a Common Equity Tier 1 (CET1) capital ratio of 12.98% in its most recent quarterly filing — above regulatory minimums.
How many branches does Iowa Trust & Savings Bank operate?
Iowa Trust & Savings Bank operates 4 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Iowa Trust & Savings Bank's Texas Ratio?
Iowa Trust & Savings Bank's Texas Ratio is 2.61% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.