Availa Bank
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Data as of · sourced from FFIEC call reports. How we update
Availa Bank is an FDIC-insured commercial bank headquartered in Carroll, IA, established in 1870 (FDIC certificate 11771), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.73B, up 5.0% from Q2 2025, the 15th largest of 225 banks headquartered in Iowa. Its CET1 capital ratio was 12.55% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 11771
- Headquarters
- Carroll, IA
- Established
- 1870
- Total assets, Q2 2026
- $1.73B
- Assets vs Q2 2025
- +5.0%
- CET1 ratio, Q2 2026
- 12.55%
- Domestic offices
- 15 FDIC institution directory, current count
- Routing number
- 073902546
- Latest call report
- Q2 2026, FFIEC 041 · Availa Bank call report
- Holding company
- CARROLL COUNTY BANCSHARES, INC.
- Asset rank in state
- 15th of 225 in Iowa
Availa Bank, based in Carroll, Iowa, reported $1.7 billion in assets at June 30, 2026, up 5.0% from a year earlier. It keeps 3.03 cents of net interest income on every dollar of earning assets, lower than about three-quarters of the 895 banks with $1 billion to $10 billion in assets (median 3.71 cents). It also funds 9.33% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.52%).
Earnings jumped: net income for the quarter was $4.2 million, 52% above the same quarter a year earlier. Paper losses on its bond portfolio are shrinking: unrealized losses of $39 million equal 24% of Tier 1 capital, down from 35% a year earlier. Profitability lags: it earns about $0.94 a year on every $100 of assets, lower than about three-quarters of banks its size (median $1.29).
As of June 30, 2026, Availa Bank reported a CET1 capital ratio of 12.55%, a return on assets of 0.94%, a nonperforming-loan ratio of 0.26% and a Texas ratio of 2.00%. The figures come from its call report filed with the FFIEC.
Of the 225 banks headquartered in Iowa, Availa Bank is the 15th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.3% to $1.73B, loans fell 1.2% and deposits fell 0.1%. 1-4 family residential loans made up 18.9% of its total loans on June 30, 2026, its largest category; next came farmland and other real estate loans at 17.1%. The FDIC Summary of Deposits lists 14 offices for it, in 12 cities in IA; its Carroll office books 20% of its branch deposits. Judged on its Q2 2026 call report, Availa Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 126 W 6th St, Carroll, IA 51401
- County
- Carroll
- Metro Area
- Carroll, 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 041
- Established
- January 1, 1870
- Domestic offices
- 15 FDIC institution directory, current count
- Employees (FTE)
- 179
- Domestic deposits
- $1.42B
- Allowance for credit losses
- $14.0M
- Net charge-offs (YTD)
- $243K
- Average total assets
- $1.77B
- Average total loans
- $1.20B
- Average interest-bearing deposits
- $1.24B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 11771
- Fed RSSD
- 859141
- SEC CIK
- 1878021 → filed by CARROLL COUNTY BANCSHARES, INC.
- Website
- www.availa.bank →
- Parent Holding Company
- CARROLL COUNTY BANCSHARES, INC. (RSSD 1203451)
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
Availa Bank's total assets moved between a low of $1.54B (Q3 2023) and a high of $1.74B (Q1 2026) from Q3 2023 to Q2 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
$1.73B total assets against $1.65B; $1.58B total liabilities against $1.51B.
$1.18B net loans and leases against $1.11B; $1.42B total deposits against $1.36B.
$373.7M securities against $361.8M; $70.5M cash and balances due against $64.4M.
$21.0M total interest income against $19.2M; $8.6M total interest expense against $8.4M.
$12.5M net interest income against $10.7M.
$1.2M total noninterest income against $1.2M; $8.5M total noninterest expense against $7.8M.
-$434K provision for credit losses against $632K.
$4.2M net income against $2.7M.
0.94% return on assets against 0.65%; 3.03% net interest margin against 2.76%.
12.55% CET1 capital ratio against 12.01%; 9.33% tier 1 leverage ratio against 9.17%.
Inside the full Availa Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeAvaila Bank rankings
Its closest position to the top of a national ranking is 653 of 4,196, for total assets; its furthest is 2,633 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.39% (Q3 2024) to 0.94% (Q2 2026) and its net interest margin ran from 2.29% (Q3 2024) to 3.07% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.55% | 0.94% | 0.26% | 2.00% | 3.03% |
| Q1 2026 | 12.12% | 0.93% | 0.27% | 2.18% | 2.92% |
| Q4 2025 | 12.11% | 0.87% | 0.25% | 2.06% | 3.07% |
| Q3 2025 | 12.14% | 0.86% | 0.18% | 1.47% | 2.81% |
| Q2 2025 | 12.01% | 0.65% | 0.17% | 3.71% | 2.76% |
| Q1 2025 | 12.24% | 0.56% | 0.47% | 4.16% | 2.61% |
| Q4 2024 | 12.02% | 0.48% | 0.77% | 6.84% | 2.44% |
| Q3 2024 | 12.34% | 0.39% | 0.78% | 6.49% | 2.29% |
Swipe the table sideways to see every column.
Branch Network
View all 14 branches → 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 |
|---|---|---|---|
| Availa Bank (main office) | Carroll , IA | 51401 | $277.9M |
| Nevada Branch | Nevada , IA | 50201 | $191.2M |
| Council Bluffs Downtown Branch | Council Bluffs , IA | 51503 | $174.5M |
| Ames Duff Branch | Ames , IA | 50010 | $137.8M |
| Fort Dodge Branch | Fort Dodge , IA | 50501 | $107.8M |
| Webster City Branch | Webster City , IA | 50595 | $104.7M |
| Pocahontas County Branch | Pocahontas , IA | 50574 | $104.4M |
| Sioux City Branch | Sioux City , IA | 51103 | $85.7M |
| Holstein Branch | Holstein , IA | 51025 | $59.4M |
| Jewell Branch | Jewell , IA | 50130 | $55.4M |
| Council Bluffs Madison Branch | Council Bluffs , IA | 51503 | $53.5M |
| Ankeny Branch | Ankeny , IA | 50023 | $51.2M |
| Coon Rapids Branch | Coon Rapids , IA | 50058 | $17.3M |
| Drive-Up Branch | Pocahontas , IA | 50574 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| December 10, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 8, 2018 | Structure Change | Acquired Community Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 22, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 22, 2014 | Structure Change | Acquired Citizens State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 8, 1985 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 8, 1985 | Structure Change | Acquired Auburn Savings Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 6 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 1.1% of deposits in IA, rank 19 of 261 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 387 applications, 331 loans originated, $63.2M originated, across 8 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $4.6M approved, $2.3M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 Availa Bank
What are Availa Bank's total assets?
As of the Q2 2026 filing, Availa Bank reported total assets of $1.73 billion in its FFIEC call report.
Where is Availa Bank headquartered?
It is headquartered in Carroll, IA, United States.
When was Availa Bank founded?
It was established in 1870, per the FDIC institution directory.
Is Availa Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #11771). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Availa Bank?
Availa Bank's primary federal regulator is the FDIC.
What is Availa Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.55% in its Q2 2026 call report, above regulatory requirements.
How many branches does Availa Bank operate?
It operates 15 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Availa Bank's Texas Ratio?
Its Texas Ratio is 2.00% 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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