OHNWARD BANK & TRUST

CASCADE, IA | Small | Est. Feb. 28, 1903, midnight | FDIC #10111 | RSSD #761543 | FDIC
Latest Report: 2025-12-31

OHNWARD BANK & TRUST is asn small FDIC-insured commercial bank headquartered in CASCADE, IA, established in Feb. 28, 1903, midnight. As of 2025-12-31, the bank reported total assets of $482M and total deposits of $404M. Profitability stands at 1.36% ROA and 11.39% ROE, with a net interest margin of 4.07%. The bank's CET1 capital ratio is 11.51%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.55% and a Texas Ratio of 3.24%. FDIC Certificate #10111.

Assets

$482M

Deposits

$404M

Loans

$368M

Equity

$58M

Profitability

Return on Assets (ROA) 1.36%
Return on Equity (ROE) 11.39%
Net Interest Margin (NIM) 4.07%
Yield on Assets 6.35%
Cost of Funds 2.43%

Asset Quality

NPL Ratio 0.55%
Net Charge-Off Ratio 0.00%
Texas Ratio 3.24%
NPA Ratio 0.42%
ACL / Loans 1.09%

Capital & Liquidity

CET1 Ratio 11.51%
Tier 1 Capital 11.51%
Total Capital Ratio 12.09%
Leverage Ratio 12.42%
Loan-to-Deposit 91.10%

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