ATKINS SAVINGS BANK & TRUST

ATKINS, IA | Small | Est. April 15, 1915, midnight | FDIC #9096 | RSSD #739346 | FDIC
Latest Report: 2025-12-31

ATKINS SAVINGS BANK & TRUST is asn small FDIC-insured commercial bank headquartered in ATKINS, IA, established in April 15, 1915, midnight. As of 2025-12-31, the bank reported total assets of $172M and total deposits of $139M. Profitability stands at 0.43% ROA and 4.65% ROE, with a net interest margin of 3.00%. The bank's CET1 capital ratio is 8.83%. Asset quality metrics show a non-performing loan ratio of 0.18% and a Texas Ratio of 1.23%. FDIC Certificate #9096.

Assets

$172M

Deposits

$139M

Loans

$117M

Equity

$15M

Profitability

Return on Assets (ROA) 0.43%
Return on Equity (ROE) 4.65%
Net Interest Margin (NIM) 3.00%
Yield on Assets 5.62%
Cost of Funds 2.73%

Asset Quality

NPL Ratio 0.18%
Net Charge-Off Ratio 0.08%
Texas Ratio 1.23%
NPA Ratio 0.12%
ACL / Loans 1.23%

Capital & Liquidity

CET1 Ratio 8.83%
Tier 1 Capital 8.83%
Total Capital Ratio 9.27%
Leverage Ratio 11.31%
Loan-to-Deposit 83.96%

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