STATE SAVINGS BANK

BEDFORD, IA | Small | Est. Jan. 1, 1915, midnight | FDIC #14773 | RSSD #792640 | FDIC
Latest Report: 2025-12-31

STATE SAVINGS BANK is asn small FDIC-insured commercial bank headquartered in BEDFORD, IA, established in Jan. 1, 1915, midnight. As of 2025-12-31, the bank reported total assets of $196M and total deposits of $170M. Profitability stands at 1.58% ROA and 13.41% ROE, with a net interest margin of 4.43%. The bank's CET1 capital ratio is 9.69%. Asset quality metrics show a non-performing loan ratio of 0.25% and a Texas Ratio of 1.85%. FDIC Certificate #14773.

Assets

$196M

Deposits

$170M

Loans

$181M

Equity

$23M

Profitability

Return on Assets (ROA) 1.58%
Return on Equity (ROE) 13.41%
Net Interest Margin (NIM) 4.43%
Yield on Assets 6.61%
Cost of Funds 2.28%

Asset Quality

NPL Ratio 0.25%
Net Charge-Off Ratio 0.20%
Texas Ratio 1.85%
NPA Ratio 0.23%
ACL / Loans 0.78%

Capital & Liquidity

CET1 Ratio 9.69%
Tier 1 Capital 9.69%
Total Capital Ratio 10.18%
Leverage Ratio 10.30%
Loan-to-Deposit 106.68%

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