AVAILA BANK

CARROLL, IA | Large | Est. Jan. 1, 1870, midnight | FDIC #11771 | RSSD #859141 | FDIC
Latest Report: 2025-12-31

AVAILA BANK is aln large FDIC-insured commercial bank headquartered in CARROLL, IA, established in Jan. 1, 1870, midnight. As of 2025-12-31, the bank reported total assets of $1.7B and total deposits of $1.4B. Profitability stands at 0.88% ROA and 9.96% ROE, with a net interest margin of 3.13%. The bank's CET1 capital ratio is 12.11%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.24% and a Texas Ratio of 1.72%. FDIC Certificate #11771.

Assets

$1.7B

Deposits

$1.4B

Loans

$1.2B

Equity

$151M

Profitability

Return on Assets (ROA) 0.88%
Return on Equity (ROE) 9.96%
Net Interest Margin (NIM) 3.13%
Yield on Assets 5.27%
Cost of Funds 3.03%

Asset Quality

NPL Ratio 0.24%
Net Charge-Off Ratio 0.00%
Texas Ratio 1.72%
NPA Ratio 0.17%
ACL / Loans 1.20%

Capital & Liquidity

CET1 Ratio 12.11%
Tier 1 Capital 12.11%
Total Capital Ratio 13.16%
Leverage Ratio 9.35%
Loan-to-Deposit 86.31%

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