IOWA STATE BANK

ALGONA, IA | Small | Est. Jan. 1, 1928, midnight | FDIC #950 | RSSD #734248 | FDIC
Latest Report: 2025-12-31

IOWA STATE BANK is asn small FDIC-insured commercial bank headquartered in ALGONA, IA, established in Jan. 1, 1928, midnight. As of 2025-12-31, the bank reported total assets of $468M and total deposits of $374M. Profitability stands at 0.77% ROA and 8.75% ROE, with a net interest margin of 3.22%. The bank's CET1 capital ratio is 15.73%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.21% and a Texas Ratio of 2.46%. FDIC Certificate #950.

Assets

$468M

Deposits

$374M

Loans

$301M

Equity

$42M

Profitability

Return on Assets (ROA) 0.77%
Return on Equity (ROE) 8.75%
Net Interest Margin (NIM) 3.22%
Yield on Assets 5.49%
Cost of Funds 2.37%

Asset Quality

NPL Ratio 0.21%
Net Charge-Off Ratio 0.00%
Texas Ratio 2.46%
NPA Ratio 0.24%
ACL / Loans 1.35%

Capital & Liquidity

CET1 Ratio 15.73%
Tier 1 Capital 15.73%
Total Capital Ratio 16.95%
Leverage Ratio 11.02%
Loan-to-Deposit 80.49%

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