Bankiowa
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Data as of · sourced from FFIEC call reports. How we update
Bankiowa is an FDIC-insured commercial bank headquartered in Cedar Rapids, IA, established in 1881 (FDIC certificate 17282), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $846.2M, up 3.0% from Q2 2025, the 29th largest of 225 banks headquartered in Iowa. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.46% 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
- 17282
- Headquarters
- Cedar Rapids, IA
- Established
- 1881
- Total assets, Q2 2026
- $846.2M
- Assets vs Q2 2025
- +3.0%
- Tier 1 leverage ratio, Q2 2026
- 12.46%
- Domestic offices
- 13 FDIC institution directory, current count
- Routing number
- 073920285
- Holding company
- FIDELITY BAN CORPORATION
- Asset rank in state
- 29th of 225 in Iowa
Problem loans are rising at Bankiowa. The Cedar Rapids, Iowa bank had $846 million in assets at June 30, 2026, up 3.0% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.95% of loans from 0.18% a year earlier.
Net income for the quarter rose 28% from a year earlier, to $3.5 million. Over the same year, loans grew 1.6% and deposits grew 5.8%.
As of June 30, 2026, Bankiowa reported a return on assets of 1.65%, a nonperforming-loan ratio of 1.00% and a Texas ratio of 6.03%. The figures come from its call report filed with the FFIEC.
Bankiowa ranks as the 29th largest of the 225 banks based in Iowa, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 1.2% to $846.2M, loans rose 1.6% and deposits rose 1.0%. 1-4 family residential loans made up 16.8% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 16.1%. Its 13 offices in the FDIC Summary of Deposits are in 9 cities in IA; its Independence 3 offices book 40% of its branch deposits. By the capital ratios in its Q2 2026 call report, Bankiowa meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 7045 C Ave Ne, Cedar Rapids, IA 52402
- County
- Linn
- 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
- January 1, 1881
- Former names
- Benton County Savings Bank (1976-1998)
- Domestic offices
- 13 FDIC institution directory, current count
- Employees (FTE)
- 142
- Domestic deposits
- $712.7M
- Allowance for credit losses
- $7.9M
- Net charge-offs (YTD)
- -$215K
- Average total assets
- $846.9M
- Average total loans
- $691.7M
- Average interest-bearing deposits
- $567.8M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- December 11, 1953
- FDIC Cert
- 17282
- Fed RSSD
- 737548
- Website
- http://www.bankiowa.com →
- Parent Holding Company
- FIDELITY BAN CORPORATION (RSSD 1204337)
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, Bankiowa 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, Bankiowa's total assets ran between $812.6M (Q3 2023) and $853.2M (Q1 2025), 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
$846.2M total assets against $821.2M; $740.7M total liabilities against $725.9M.
$687.6M net loans and leases against $677.0M; $712.7M total deposits against $673.6M.
$105.6M securities against $89.4M; $13.8M cash and balances due against $15.2M.
$11.6M total interest income against $11.1M; $3.3M total interest expense against $3.6M.
$8.3M net interest income against $7.5M.
$1.5M total noninterest income against $1.4M; $5.9M total noninterest expense against $5.6M.
$250K provision for credit losses against $400K.
$3.5M net income against $2.7M.
1.65% return on assets against 1.32%; 4.14% net interest margin against 3.82%.
12.46% tier 1 leverage ratio against 11.70%.
Inside the full Bankiowa terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeBankiowa rankings
Its closest position to the top of a national ranking is 990 of 3,611, for ROA; its furthest is 1,794 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.91% (Q3 2024) to 1.65% (Q2 2026) and its net interest margin ran from 3.11% (Q3 2024) to 4.18% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.46% | 1.65% | 1.00% | 6.03% | 4.14% |
| Q1 2026 | 12.48% | 1.55% | 0.45% | 2.92% | 4.13% |
| Q4 2025 | 12.11% | 1.62% | 0.46% | 3.01% | 4.18% |
| Q3 2025 | 12.03% | 1.51% | 0.62% | 4.14% | 3.99% |
| Q2 2025 | 11.70% | 1.32% | 0.18% | 1.32% | 3.82% |
| Q1 2025 | 11.40% | 1.10% | 0.40% | 2.88% | 3.44% |
| Q4 2024 | 11.35% | 0.99% | 0.38% | 5.23% | 3.31% |
| Q3 2024 | 11.09% | 0.91% | 1.29% | 8.59% | 3.11% |
Swipe the table sideways to see every column.
Branch Network
View all 13 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 |
|---|---|---|---|
| First Street East Branch | Independence , IA | 50644 | $266.8M |
| Kimball Branch | Waterloo , IA | 50702 | $112.2M |
| Edgewood Parkway Branch | Cedar Rapids , IA | 52404 | $82.5M |
| Bankiowa (main office) | Cedar Rapids , IA | 52402 | $53.9M |
| University Avenue Branch | Cedar Falls , IA | 50613 | $42.1M |
| Downtown Waterloo | Waterloo , IA | 50703 | $31.5M |
| Jesup Branch | Jesup , IA | 50648 | $31.3M |
| Norway Branch | Norway , IA | 52318 | $28.3M |
| Rowley Savings Bank Mo Branch | Rowley , IA | 52329 | $24.5M |
| Independence South Office Branch | Independence , IA | 50644 | $20.2M |
| Lamont Branch | Lamont , IA | 50650 | $15.0M |
| Bankiowa Branch | Marion , IA | 52302 | $4.3M |
| Drive Up Branch | Independence , IA | 50644 | $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 4, 2021 | Structure Change | Acquired Rowley Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 3, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 19, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 19, 1999 | Structure Change | Acquired another institution Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 2, 1991 | Structure Change | Acquired Statesman Federal 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 5 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.5% of deposits in IA, rank 35 of 261 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 236 applications, 207 loans originated, $48.9M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $708K approved, $354K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (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 Bankiowa
What are Bankiowa's total assets?
As of the Q2 2026 filing, Bankiowa reported total assets of $846.2 million in its FFIEC call report.
Where is Bankiowa headquartered?
It is headquartered in Cedar Rapids, IA, United States.
When was Bankiowa founded?
It was established in 1881, per the FDIC institution directory.
Is Bankiowa FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #17282). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bankiowa?
Bankiowa's primary federal regulator is the FDIC.
How many branches does Bankiowa operate?
It operates 13 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bankiowa's Texas Ratio?
Its Texas Ratio is 6.03% 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.
What was Bankiowa previously called?
The charter now named Bankiowa has also operated as Benton County Savings Bank (1976-1998), per FDIC structure-change records.
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