IOWA STATE SAVINGS BANK

CRESTON, IA | Small | Est. Jan. 1, 1883, midnight | FDIC #8751 | RSSD #869346 | FDIC
Latest Report: 2025-12-31

IOWA STATE SAVINGS BANK is asn small FDIC-insured commercial bank headquartered in CRESTON, IA, established in Jan. 1, 1883, midnight. As of 2025-12-31, the bank reported total assets of $283M and total deposits of $250M. Profitability stands at 0.94% ROA and 9.79% ROE, with a net interest margin of 3.64%. The bank's CET1 capital ratio is 14.56%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.21% and a Texas Ratio of 1.15%. FDIC Certificate #8751.

Assets

$283M

Deposits

$250M

Loans

$166M

Equity

$27M

Profitability

Return on Assets (ROA) 0.94%
Return on Equity (ROE) 9.79%
Net Interest Margin (NIM) 3.64%
Yield on Assets 5.10%
Cost of Funds 1.52%

Asset Quality

NPL Ratio 0.21%
Net Charge-Off Ratio --
Texas Ratio 1.15%
NPA Ratio 0.12%
ACL / Loans 1.52%

Capital & Liquidity

CET1 Ratio 14.56%
Tier 1 Capital 14.56%
Total Capital Ratio 15.81%
Leverage Ratio 9.27%
Loan-to-Deposit 66.35%

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