AUDUBON STATE BANK

AUDUBON, IA | Small | Est. Jan. 1, 1876, midnight | FDIC #5814 | RSSD #760649 | FDIC
Latest Report: 2025-12-31

AUDUBON STATE BANK is asn small FDIC-insured commercial bank headquartered in AUDUBON, IA, established in Jan. 1, 1876, midnight. As of 2025-12-31, the bank reported total assets of $163M and total deposits of $140M. Profitability stands at 2.35% ROA and 20.66% ROE, with a net interest margin of 4.56%. The bank's CET1 capital ratio is 13.04%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #5814.

Assets

$163M

Deposits

$140M

Loans

$130M

Equity

$19M

Profitability

Return on Assets (ROA) 2.35%
Return on Equity (ROE) 20.66%
Net Interest Margin (NIM) 4.56%
Yield on Assets 6.31%
Cost of Funds 1.82%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.03%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 1.04%

Capital & Liquidity

CET1 Ratio 13.04%
Tier 1 Capital 13.04%
Total Capital Ratio 14.13%
Leverage Ratio 9.84%
Loan-to-Deposit 93.33%

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