DEFIANCE STATE BANK

DEFIANCE, IA | Micro | Est. Sept. 1, 1951, midnight | FDIC #17450 | RSSD #902645 | FDIC
Latest Report: 2025-12-31

DEFIANCE STATE BANK is amn micro FDIC-insured commercial bank headquartered in DEFIANCE, IA, established in Sept. 1, 1951, midnight. As of 2025-12-31, the bank reported total assets of $42M and total deposits of $31M. Profitability stands at -0.53% ROA and -5.19% ROE, with a net interest margin of 3.95%. The bank's CET1 capital ratio is 10.34%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #17450.

Assets

$42M

Deposits

$31M

Loans

$32M

Equity

$4M

Profitability

Return on Assets (ROA) -0.53%
Return on Equity (ROE) -5.19%
Net Interest Margin (NIM) 3.95%
Yield on Assets 5.43%
Cost of Funds 1.66%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio --
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 0.63%

Capital & Liquidity

CET1 Ratio 10.34%
Tier 1 Capital 10.34%
Total Capital Ratio 10.85%
Leverage Ratio 10.00%
Loan-to-Deposit 102.13%

This is just the summary

The full dashboard covers 4,313 currently filing institutions with CAMELS analytics, peer benchmarks, and exportable tearsheets.

24+ years of history
Excel tearsheet exports
Peer benchmarking
Risk & failure probability
Create Free Account

No credit card required