IOWA STATE BANK

CLARKSVILLE, IA | Small | Est. Jan. 1, 1918, midnight | FDIC #15947 | RSSD #865142 | FDIC
Latest Report: 2025-12-31

IOWA STATE BANK is asn small FDIC-insured commercial bank headquartered in CLARKSVILLE, IA, established in Jan. 1, 1918, midnight. As of 2025-12-31, the bank reported total assets of $376M and total deposits of $330M. Profitability stands at 1.55% ROA and 14.05% ROE, with a net interest margin of 3.32%. The bank's CET1 capital ratio is 14.69%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 3.34% and a Texas Ratio of 18.50%. FDIC Certificate #15947.

Assets

$376M

Deposits

$330M

Loans

$270M

Equity

$41M

Profitability

Return on Assets (ROA) 1.55%
Return on Equity (ROE) 14.05%
Net Interest Margin (NIM) 3.32%
Yield on Assets 6.42%
Cost of Funds 3.23%

Asset Quality

NPL Ratio 3.34%
Net Charge-Off Ratio -0.01%
Texas Ratio 18.50%
NPA Ratio 2.40%
ACL / Loans 2.94%

Capital & Liquidity

CET1 Ratio 14.69%
Tier 1 Capital 14.69%
Total Capital Ratio 15.96%
Leverage Ratio 10.86%
Loan-to-Deposit 81.95%

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