SOUTH OTTUMWA SAVINGS BANK

OTTUMWA, IA | Medium | Est. Jan. 1, 1903, midnight | FDIC #9099 | RSSD #75446 | FDIC
Latest Report: 2025-12-31

SOUTH OTTUMWA SAVINGS BANK is amn medium FDIC-insured commercial bank headquartered in OTTUMWA, IA, established in Jan. 1, 1903, midnight. As of 2025-12-31, the bank reported total assets of $519M and total deposits of $430M. Profitability stands at 1.25% ROA and 8.88% ROE, with a net interest margin of 3.45%. The bank's CET1 capital ratio is 18.30%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.24% and a Texas Ratio of 0.98%. FDIC Certificate #9099.

Assets

$519M

Deposits

$430M

Loans

$323M

Equity

$74M

Profitability

Return on Assets (ROA) 1.25%
Return on Equity (ROE) 8.88%
Net Interest Margin (NIM) 3.45%
Yield on Assets 4.89%
Cost of Funds 1.58%

Asset Quality

NPL Ratio 0.24%
Net Charge-Off Ratio 0.18%
Texas Ratio 0.98%
NPA Ratio 0.15%
ACL / Loans 1.05%

Capital & Liquidity

CET1 Ratio 18.30%
Tier 1 Capital 18.30%
Total Capital Ratio 19.21%
Leverage Ratio 13.30%
Loan-to-Deposit 75.24%

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