TWIN CEDARS BANK

BUSSEY, IA | Small | Est. March 27, 1931, midnight | FDIC #1556 | RSSD #750444 | FDIC
Latest Report: 2025-12-31

TWIN CEDARS BANK is asn small FDIC-insured commercial bank headquartered in BUSSEY, IA, established in March 27, 1931, midnight. As of 2025-12-31, the bank reported total assets of $122M and total deposits of $105M. Profitability stands at 0.46% ROA and 4.12% ROE, with a net interest margin of 4.32%. The bank's CET1 capital ratio is 13.24%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.81% and a Texas Ratio of 11.55%. FDIC Certificate #1556.

Assets

$122M

Deposits

$105M

Loans

$99M

Equity

$14M

Profitability

Return on Assets (ROA) 0.46%
Return on Equity (ROE) 4.12%
Net Interest Margin (NIM) 4.32%
Yield on Assets 7.07%
Cost of Funds 2.87%

Asset Quality

NPL Ratio 1.81%
Net Charge-Off Ratio 0.60%
Texas Ratio 11.55%
NPA Ratio 1.48%
ACL / Loans 1.95%

Capital & Liquidity

CET1 Ratio 13.24%
Tier 1 Capital 13.24%
Total Capital Ratio 14.50%
Leverage Ratio 10.94%
Loan-to-Deposit 94.14%

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