IOWA FALLS STATE BANK

IOWA FALLS, IA | Small | Est. Jan. 1, 1933, midnight | FDIC #15311 | RSSD #989141 | FDIC
Latest Report: 2025-12-31

IOWA FALLS STATE BANK is asn small FDIC-insured commercial bank headquartered in IOWA FALLS, IA, established in Jan. 1, 1933, midnight. As of 2025-12-31, the bank reported total assets of $202M and total deposits of $161M. Profitability stands at 0.95% ROA and 6.29% ROE, with a net interest margin of 3.92%. The bank's CET1 capital ratio is 12.61%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.33% and a Texas Ratio of 1.02%. FDIC Certificate #15311.

Assets

$202M

Deposits

$161M

Loans

$100M

Equity

$31M

Profitability

Return on Assets (ROA) 0.95%
Return on Equity (ROE) 6.29%
Net Interest Margin (NIM) 3.92%
Yield on Assets 6.01%
Cost of Funds 2.29%

Asset Quality

NPL Ratio 0.33%
Net Charge-Off Ratio 0.03%
Texas Ratio 1.02%
NPA Ratio 0.16%
ACL / Loans 1.10%

Capital & Liquidity

CET1 Ratio 12.61%
Tier 1 Capital 12.61%
Total Capital Ratio 13.44%
Leverage Ratio 8.78%
Loan-to-Deposit 61.96%

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