STATE SAVINGS BANK

WEST DES MOINES, IA | Small | Est. July 4, 1894, midnight | FDIC #248 | RSSD #762045 | FDIC
Latest Report: 2025-12-31

STATE SAVINGS BANK is asn small FDIC-insured commercial bank headquartered in WEST DES MOINES, IA, established in July 4, 1894, midnight. As of 2025-12-31, the bank reported total assets of $274M and total deposits of $205M. Profitability stands at 1.18% ROA and 13.21% ROE, with a net interest margin of 4.02%. The bank's CET1 capital ratio is 10.26%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.56% and a Texas Ratio of 4.79%. FDIC Certificate #248.

Assets

$274M

Deposits

$205M

Loans

$240M

Equity

$24M

Profitability

Return on Assets (ROA) 1.18%
Return on Equity (ROE) 13.21%
Net Interest Margin (NIM) 4.02%
Yield on Assets 6.77%
Cost of Funds 2.82%

Asset Quality

NPL Ratio 0.56%
Net Charge-Off Ratio 0.33%
Texas Ratio 4.79%
NPA Ratio 0.49%
ACL / Loans 1.67%

Capital & Liquidity

CET1 Ratio 10.26%
Tier 1 Capital 10.26%
Total Capital Ratio 11.51%
Leverage Ratio 9.08%
Loan-to-Deposit 117.38%

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