CHELSEA SAVINGS BANK

BELLE PLAINE, IA | Small | Est. Oct. 19, 1936, midnight | FDIC #15427 | RSSD #771748 | FDIC
Latest Report: 2025-12-31

CHELSEA SAVINGS BANK is asn small FDIC-insured commercial bank headquartered in BELLE PLAINE, IA, established in Oct. 19, 1936, midnight. As of 2025-12-31, the bank reported total assets of $200M and total deposits of $177M. Profitability stands at 1.71% ROA and 15.86% ROE, with a net interest margin of 3.55%. The bank's CET1 capital ratio is 10.39%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.25% and a Texas Ratio of 0.93%. FDIC Certificate #15427.

Assets

$200M

Deposits

$177M

Loans

$83M

Equity

$22M

Profitability

Return on Assets (ROA) 1.71%
Return on Equity (ROE) 15.86%
Net Interest Margin (NIM) 3.55%
Yield on Assets 5.19%
Cost of Funds 1.70%

Asset Quality

NPL Ratio 0.25%
Net Charge-Off Ratio 0.06%
Texas Ratio 0.93%
NPA Ratio 0.10%
ACL / Loans 0.71%

Capital & Liquidity

CET1 Ratio 10.39%
Tier 1 Capital 10.39%
Total Capital Ratio 10.91%
Leverage Ratio 15.68%
Loan-to-Deposit 47.00%

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