Breda Savings Bank
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Data as of · sourced from FFIEC call reports. How we update
Breda Savings Bank is an FDIC-insured commercial bank headquartered in Breda, IA, established in 1890 (FDIC certificate 5792), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $106.0M, up 9.1% from Q2 2025, the 192nd largest of 225 banks headquartered in Iowa. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.88% 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
- 5792
- Headquarters
- Breda, IA
- Established
- 1890
- Total assets, Q2 2026
- $106.0M
- Assets vs Q2 2025
- +9.1%
- Tier 1 leverage ratio, Q2 2026
- 10.88%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 073912196
- Latest call report
- Q2 2026, FFIEC 051 · Breda Savings Bank call report
- Holding company
- VAN FINANCIAL CORPORATION
- Asset rank in state
- 192nd of 225 in Iowa
Breda Savings Bank runs leaner than most banks of its size. The Breda, Iowa bank had $106 million in assets at June 30, 2026, up 9.1% from a year earlier. It spends about 42 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). It also carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 banks its size (median 2.6%).
Earnings jumped: net income for the quarter was $416,000, 146% above the same quarter a year earlier. Over the same year, loans shrank 4.1% and deposits grew 9.1%. Its margin is thin by comparison: it keeps 3.15 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, Breda Savings Bank reported a return on assets of 1.55%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Of the 225 banks headquartered in Iowa, Breda Savings Bank is the 192nd largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 0.2% to $106.0M, loans fell 3.9% and deposits fell 1.3%. Its loan book on June 30, 2026 was led by agricultural production loans, at 27.4% of total loans, followed by farmland and other real estate loans at 24.5%. The FDIC Summary of Deposits lists a single office for it, in Breda, IA. By the capital ratios in its Q2 2026 call report, Breda Savings Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 105 Main St, Breda, IA 51436
- 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
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1890
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 9
- Domestic deposits
- $84.7M
- Allowance for credit losses
- $425K
- Net charge-offs (YTD)
- $0
- Average total assets
- $107.7M
- Average total loans
- $57.2M
- Average interest-bearing deposits
- $64.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 5792
- Fed RSSD
- 856542
- Parent Holding Company
- VAN FINANCIAL CORPORATION (RSSD 3943528)
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, Breda Savings Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Breda Savings Bank's total assets ranged from $94.1M (Q3 2023) to $106.2M (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
$106.0M total assets against $97.2M; $97.3M total liabilities against $90.2M.
$55.7M net loans and leases against $58.0M; $84.7M total deposits against $77.6M.
$36.4M securities against $28.9M; $8.3M cash and balances due against $4.2M.
$1.3M total interest income against $1.2M; $534K total interest expense against $517K.
$768K net interest income against $654K.
$136K total noninterest income against $116K; $416K total noninterest expense against $405K.
-$18K provision for credit losses against $6K.
$416K net income against $169K.
1.55% return on assets against 0.69%; 3.15% net interest margin against 3.10%.
10.88% tier 1 leverage ratio against 11.24%.
Inside the full Breda Savings Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeBreda Savings Bank rankings
Its closest position to the top of a national ranking is 294 of 3,606, for efficiency ratio; its furthest is 3,636 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.69% (Q2 2025) to 1.90% (Q3 2025) and its net interest margin ran from 2.98% (Q3 2024) to 3.63% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.88% | 1.55% | 0.00% | 0.00% | 3.15% |
| Q1 2026 | 10.70% | 1.62% | 0.00% | 0.00% | 3.09% |
| Q4 2025 | 10.94% | 1.60% | 0.00% | 0.00% | 3.27% |
| Q3 2025 | 11.62% | 1.90% | 0.00% | 0.00% | 3.63% |
| Q2 2025 | 11.24% | 0.69% | 0.00% | 0.00% | 3.10% |
| Q1 2025 | 10.94% | 1.26% | 0.00% | 0.00% | 3.03% |
| Q4 2024 | 10.56% | 1.12% | 0.00% | 0.00% | 3.26% |
| Q3 2024 | 10.25% | 1.31% | 0.00% | 0.00% | 2.98% |
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 |
|---|---|---|---|
| Breda Savings Bank (main office) | Breda , IA | 51436 | $84.7M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IA, rank 215 of 261 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, 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 Breda Savings Bank
What are Breda Savings Bank's total assets?
As of the Q2 2026 filing, Breda Savings Bank reported total assets of $106.0 million in its FFIEC call report.
Where is Breda Savings Bank headquartered?
It is headquartered in Breda, IA, United States.
When was Breda Savings Bank founded?
It was established in 1890, per the FDIC institution directory.
Is Breda Savings Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #5792). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Breda Savings Bank?
Breda Savings Bank's primary federal regulator is the FDIC.
How many branches does Breda Savings 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 Breda Savings Bank's Texas Ratio?
Its Texas Ratio is 0.00% 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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