Atkins Savings Bank & Trust
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Data as of · sourced from FFIEC call reports. How we update
Atkins Savings Bank & Trust is an FDIC-insured commercial bank headquartered in Atkins, IA, established in 1915 (FDIC certificate 9096), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $172.2M, up 5.9% from Q2 2025, the 154th largest of 225 banks headquartered in Iowa. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.91% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 9096
- Headquarters
- Atkins, IA
- Established
- 1915
- Total assets, Q2 2026
- $172.2M
- Assets vs Q2 2025
- +5.9%
- Tier 1 leverage ratio, Q2 2026
- 11.91%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 073918394
- Latest call report
- Q2 2026, FFIEC 051 · Atkins Savings Bank & Trust call report
- Asset rank in state
- 154th of 225 in Iowa
Atkins Savings Bank & Trust runs leaner than most banks of its size. It reported $172 million in assets at June 30, 2026, up 5.9% from a year earlier. It spends about 38 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 61 cents). On the other hand, it pays an average of 2.74% on its deposits and borrowings, higher than about 9 in 10 banks its size (median 1.80%).
Loans are outrunning deposits: over the year loans rose 13.6% and deposits rose 6.5%. Paper losses on its bond portfolio are shrinking: unrealized losses of $5.2 million equal 25% of Tier 1 capital, down from 35% a year earlier. Its margin is thin by comparison: it keeps 3.06 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
As of June 30, 2026, Atkins Savings Bank & Trust reported a return on assets of 1.43%, a nonperforming-loan ratio of 0.05% and a Texas ratio of 0.32%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Atkins Savings Bank & Trust is the 154th largest of the 225 banks headquartered in Iowa. From Q1 2026 to Q2 2026, its total assets fell 0.1% to $172.2M, loans fell 1.0% and deposits fell 0.6%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 23.4% of total loans, ahead of farmland and other real estate loans at 21.9%. Its one office in the FDIC Summary of Deposits is in Atkins, IA. On its Q2 2026 call report, Atkins Savings Bank & Trust meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 97 Main Ave, Atkins, IA 52206
- County
- Benton
- Metro Area
- Cedar Rapids, IA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Trust powers grandfathered
- Call Report form
- FFIEC 051
- Established
- April 15, 1915
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 12
- Domestic deposits
- $146.2M
- Allowance for credit losses
- $1.3M
- Net charge-offs (YTD)
- $151K
- Average total assets
- $174.0M
- Average total loans
- $124.3M
- Average interest-bearing deposits
- $122.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 9096
- Fed RSSD
- 739346
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Atkins Savings Bank & Trust reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Atkins Savings Bank & Trust's total assets ran between $136.0M (Q3 2023) and $172.3M (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$172.2M total assets against $162.7M; $155.4M total liabilities against $148.4M.
$121.6M net loans and leases against $107.1M; $146.2M total deposits against $137.3M.
$42.5M securities against $43.8M; $3.8M cash and balances due against $7.0M.
$2.3M total interest income against $2.1M; $1.0M total interest expense against $1.0M.
$1.3M net interest income against $1.1M.
$90K total noninterest income against $82K; $539K total noninterest expense against $496K.
$30K provision for credit losses against $36K.
$622K net income against $618K.
1.43% return on assets against 1.53%; 3.06% net interest margin against 2.75%.
11.91% tier 1 leverage ratio against 11.91%.
Inside the full Atkins Savings Bank & Trust terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeAtkins Savings Bank & Trust rankings
Its closest position to the top of a national ranking is 145 of 3,606, for efficiency ratio; its furthest is 3,071 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.42% (Q4 2025) to 1.55% (Q1 2026) and its net interest margin ran from 2.28% (Q3 2024) to 3.06% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.91% | 1.43% | 0.05% | 0.32% | 3.06% |
| Q1 2026 | 11.59% | 1.55% | 0.33% | 2.40% | 3.00% |
| Q4 2025 | 11.31% | 0.42% | 0.84% | 5.83% | 2.95% |
| Q3 2025 | 12.05% | 1.26% | 1.21% | 8.13% | 2.77% |
| Q2 2025 | 11.91% | 1.53% | 0.32% | 2.27% | 2.75% |
| Q1 2025 | 11.89% | 1.35% | 1.54% | 11.92% | 2.74% |
| Q4 2024 | 11.81% | 0.99% | 1.46% | 11.37% | 2.46% |
| Q3 2024 | 12.34% | 0.88% | 0.66% | 4.46% | 2.28% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Atkins Savings Bank & Trust (main office) | Atkins , IA | 52206 | $146.2M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in IA, rank 168 of 261 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $112K approved, $112K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2010 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Atkins Savings Bank & Trust
What are Atkins Savings Bank & Trust's total assets?
As of the Q2 2026 filing, Atkins Savings Bank & Trust reported total assets of $172.2 million in its FFIEC call report.
Where is Atkins Savings Bank & Trust headquartered?
It is headquartered in Atkins, IA, United States.
When was Atkins Savings Bank & Trust founded?
It was established in 1915, per the FDIC institution directory.
Is Atkins Savings Bank & Trust FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #9096). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Atkins Savings Bank & Trust?
Atkins Savings Bank & Trust's primary federal regulator is the FDIC.
How many branches does Atkins Savings Bank & Trust operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Atkins Savings Bank & Trust's Texas Ratio?
Its Texas Ratio is 0.32% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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