IOWA STATE BANK AND TRUST COMPANY

FAIRFIELD, IA | Small | Est. May 19, 1934, midnight | FDIC #14413 | RSSD #651541 | FED
Latest Report: 2025-12-31

IOWA STATE BANK AND TRUST COMPANY is asn small FDIC-insured commercial bank headquartered in FAIRFIELD, IA, established in May 19, 1934, midnight. As of 2025-12-31, the bank reported total assets of $331M and total deposits of $279M. Profitability stands at 1.26% ROA and 15.61% ROE, with a net interest margin of 3.78%. The bank's CET1 capital ratio is 11.00%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.10% and a Texas Ratio of 0.81%. FDIC Certificate #14413.

Assets

$331M

Deposits

$279M

Loans

$246M

Equity

$26M

Profitability

Return on Assets (ROA) 1.26%
Return on Equity (ROE) 15.61%
Net Interest Margin (NIM) 3.78%
Yield on Assets 6.51%
Cost of Funds 2.75%

Asset Quality

NPL Ratio 0.10%
Net Charge-Off Ratio 0.09%
Texas Ratio 0.81%
NPA Ratio 0.07%
ACL / Loans 1.01%

Capital & Liquidity

CET1 Ratio 11.00%
Tier 1 Capital 11.00%
Total Capital Ratio 12.03%
Leverage Ratio 8.04%
Loan-to-Deposit 88.00%

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