Audubon State Bank
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Data as of · sourced from FFIEC call reports. How we update
Audubon State Bank is an FDIC-insured commercial bank headquartered in Audubon, IA, established in 1876 (FDIC certificate 5814), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $155.3M, up 0.8% from Q2 2025, the 162nd largest of 225 banks headquartered in Iowa. Its CET1 capital ratio was 14.41% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 5814
- Headquarters
- Audubon, IA
- Established
- 1876
- Total assets, Q2 2026
- $155.3M
- Assets vs Q2 2025
- +0.8%
- CET1 ratio, Q2 2026
- 14.41%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 073904159
- Holding company
- AUDUBON COUNTY INVESTMENT COMPANY
- Asset rank in state
- 162nd of 225 in Iowa
Audubon State Bank is one of the more profitable banks of its size. It reported $155 million in assets at June 30, 2026. It earns about $2.50 a year on every $100 of assets, about double the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 39 cents to bring in each dollar of revenue, lower than about 9 in 10 banks its size (median 61 cents).
Earnings jumped: net income for the quarter was $1.0 million, 32% above the same quarter a year earlier.
As of June 30, 2026, Audubon State Bank reported a CET1 capital ratio of 14.41%, a return on assets of 2.50%, a nonperforming-loan ratio of 0.20% and a Texas ratio of 1.36%. The figures come from its call report filed with the FFIEC.
Audubon State Bank ranks as the 162nd largest of the 225 banks based in Iowa, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 6.9% to $155.3M, loans rose 2.5% and deposits fell 8.4%. The largest part of its loan book on June 30, 2026 was agricultural production loans, at 23.7% of total loans, ahead of farmland and other real estate loans at 21.2%. Its one office in the FDIC Summary of Deposits is in Audubon, IA. On its Q2 2026 call report, Audubon State Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 307 Broadway St, Audubon, IA 50025
- County
- Audubon
- 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
- January 1, 1876
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 15
- Domestic deposits
- $131.0M
- Allowance for credit losses
- $1.4M
- Net charge-offs (YTD)
- $0
- Average total assets
- $163.5M
- Average total loans
- $118.6M
- Average interest-bearing deposits
- $121.2M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 5814
- Fed RSSD
- 760649
- Website
- www.audubonstatebank.com →
- Parent Holding Company
- AUDUBON COUNTY INVESTMENT COMPANY (RSSD 5085664)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Audubon State Bank's total assets ranged from $138.0M (Q4 2023) to $166.9M (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
$155.3M total assets against $154.2M; $136.1M total liabilities against $136.1M.
$121.8M net loans and leases against $120.1M; $131.0M total deposits against $130.9M.
$17.0M securities against $13.6M; $7.4M cash and balances due against $11.3M.
$2.3M total interest income against $2.2M; $595K total interest expense against $671K.
$1.7M net interest income against $1.5M.
$53K total noninterest income against $54K; $686K total noninterest expense against $730K.
$0 provision for credit losses against $0.
$1.0M net income against $774K.
2.50% return on assets against 1.98%; 4.46% net interest margin against 4.09%.
14.41% CET1 capital ratio against 13.53%; 10.46% tier 1 leverage ratio against 10.17%.
Inside the full Audubon State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeAudubon State Bank rankings
Its closest position to the top of a national ranking is 160 of 3,611, for ROA; its furthest is 3,252 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.55% (Q4 2024) to 2.50% (Q2 2026) and its net interest margin ran from 3.53% (Q1 2025) to 4.47% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.41% | 2.50% | 0.20% | 1.36% | 4.46% |
| Q1 2026 | 13.99% | 2.19% | 0.20% | 1.38% | 4.16% |
| Q4 2025 | 13.04% | 2.31% | 0.02% | 0.14% | 4.46% |
| Q3 2025 | 13.20% | 2.24% | 0.04% | 0.33% | 4.47% |
| Q2 2025 | 13.53% | 1.98% | 0.00% | 0.01% | 4.09% |
| Q1 2025 | 13.89% | 1.71% | 0.00% | 0.00% | 3.53% |
| Q4 2024 | 12.57% | 1.55% | 0.04% | 0.35% | 3.84% |
| Q3 2024 | 12.75% | 1.80% | 0.04% | 0.29% | 3.94% |
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 |
|---|---|---|---|
| Audubon State Bank (main office) | Audubon , IA | 50025 | $131.0M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IA, rank 180 of 261 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $194K approved, $97K average. 50.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2007 (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 Audubon State Bank
What are Audubon State Bank's total assets?
As of the Q2 2026 filing, Audubon State Bank reported total assets of $155.3 million in its FFIEC call report.
Where is Audubon State Bank headquartered?
It is headquartered in Audubon, IA, United States.
When was Audubon State Bank founded?
It was established in 1876, per the FDIC institution directory.
Is Audubon State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #5814). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Audubon State Bank?
Audubon State Bank's primary federal regulator is the FDIC.
What is Audubon State Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.41% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Audubon State Bank 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 Audubon State Bank's Texas Ratio?
Its Texas Ratio is 1.36% 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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