Cedar Valley Bank & Trust
BankRegReports is independent of Cedar Valley Bank & Trust and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Cedar Valley Bank & Trust is an FDIC-insured commercial bank headquartered in La Porte City, IA, established in 1906 (FDIC certificate 14694), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $126.3M, up 5.1% from Q2 2025, the 179th largest of 225 banks headquartered in Iowa. Its CET1 capital ratio was 12.72% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 14694
- Headquarters
- La Porte City, IA
- Established
- 1906
- Total assets, Q2 2026
- $126.3M
- Assets vs Q2 2025
- +5.1%
- CET1 ratio, Q2 2026
- 12.72%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 073914864
- Latest call report
- Q2 2026, FFIEC 051 · Cedar Valley Bank & Trust call report
- Holding company
- D & D BANCSHARES, INC.
- Asset rank in state
- 179th of 225 in Iowa
Cedar Valley Bank & Trust, based in La Porte City, Iowa, reported $126 million in assets at June 30, 2026, up 5.1% from a year earlier. It carries problem assets equal to 15.9% of the capital and reserves that would absorb them, 6.0 times the median of 2.6% for the 2,660 banks with $100 million to $1 billion in assets. It also grew deposits 19.5% over the year, 4.8 times the median of 4.0% for banks its size.
Net income for the quarter rose 18% from a year earlier, to $493,000. Over the same year, loans grew 1.3% and deposits grew 19.5%. Where it has less room is capital: it funds 9.01% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
As of June 30, 2026, Cedar Valley Bank & Trust reported a CET1 capital ratio of 12.72%, a return on assets of 1.57%, a nonperforming-loan ratio of 1.27% and a Texas ratio of 15.93%. The figures come from its call report filed with the FFIEC.
Cedar Valley Bank & Trust ranks as the 179th largest of the 225 banks based in Iowa, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 2.5% to $126.3M, loans rose 0.2% and deposits rose 2.4%. 1-4 family residential loans made up 48.6% of its total loans on June 30, 2026, its largest category; next came farmland and other real estate loans at 19.3%. Its 2 offices in the FDIC Summary of Deposits are in Vinton, IA and La Porte City, IA; its Vinton office books 54% of its branch deposits. By the capital ratios in its Q2 2026 call report, Cedar Valley Bank & Trust meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 321 Main St, La Porte City, IA 50651
- County
- Black Hawk
- Metro Area
- Waterloo-Cedar Falls, 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
- July 6, 1906
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 18
- Domestic deposits
- $114.5M
- Allowance for credit losses
- $850K
- Net charge-offs (YTD)
- $38K
- Average total assets
- $125.6M
- Average total loans
- $112.5M
- Average interest-bearing deposits
- $92.2M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 22, 1934
- FDIC Cert
- 14694
- Fed RSSD
- 1014246
- Website
- www.cedarvalleybank.com →
- Parent Holding Company
- D & D BANCSHARES, INC. (RSSD 1363962)
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, Cedar Valley Bank & Trust's total assets ranged from $114.3M (Q3 2023) to $126.3M (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
$126.3M total assets against $120.2M; $114.9M total liabilities against $109.7M.
$112.1M net loans and leases against $110.8M; $114.5M total deposits against $95.8M.
$4.1M securities against $4.3M; $7.3M cash and balances due against $2.7M.
$1.8M total interest income against $1.7M; $484K total interest expense against $493K.
$1.3M net interest income against $1.2M.
$79K total noninterest income against $43K; $857K total noninterest expense against $819K.
$30K provision for credit losses against $25K.
$493K net income against $419K.
1.57% return on assets against 1.37%; 4.27% net interest margin against 4.12%.
12.72% CET1 capital ratio against 11.79%; 9.01% tier 1 leverage ratio against 8.57%.
Inside the full Cedar Valley Bank & Trust terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCedar Valley Bank & Trust rankings
Its closest position to the top of a national ranking is 270 of 3,640, for Texas Ratio; its furthest is 3,469 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.71% (Q4 2025) to 1.57% (Q2 2026) and its net interest margin ran from 3.80% (Q3 2024) to 4.45% (Q1 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.72% | 1.57% | 1.27% | 15.93% | 4.27% |
| Q1 2026 | 12.14% | 1.21% | 1.66% | 15.80% | 4.45% |
| Q4 2025 | 12.11% | 0.71% | 1.15% | 11.13% | 4.35% |
| Q3 2025 | 12.18% | 0.98% | 1.03% | 10.71% | 4.13% |
| Q2 2025 | 11.79% | 1.37% | 1.01% | 10.75% | 4.12% |
| Q1 2025 | 11.26% | 1.23% | 1.45% | 15.82% | 3.90% |
| Q4 2024 | 11.00% | 0.95% | 0.48% | 5.81% | 3.95% |
| Q3 2024 | 10.91% | 0.80% | 0.69% | 8.13% | 3.80% |
Swipe the table sideways to see every column.
Branch Network
View all 2 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 |
|---|---|---|---|
| Vinton Branch | Vinton , IA | 52349 | $62.0M |
| Cedar Valley Bank & Trust (main office) | La Porte City , IA | 50651 | $52.4M |
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 |
|---|---|---|---|
| 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 1 event.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IA, rank 192 of 261 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 98 applications, 92 loans originated, $14.0M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $2.0M approved, $2.0M 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, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Cedar Valley Bank & Trust’s latest filed figures and updates each quarter.
Similar banks
Compare Cedar Valley Bank & Trust with peers
Frequently asked about Cedar Valley Bank & Trust
What are Cedar Valley Bank & Trust's total assets?
As of the Q2 2026 filing, Cedar Valley Bank & Trust reported total assets of $126.3 million in its FFIEC call report.
Where is Cedar Valley Bank & Trust headquartered?
It is headquartered in La Porte City, IA, United States.
When was Cedar Valley Bank & Trust founded?
It was established in 1906, per the FDIC institution directory.
Is Cedar Valley Bank & Trust FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #14694). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Cedar Valley Bank & Trust?
Cedar Valley Bank & Trust's primary federal regulator is the FDIC.
What is Cedar Valley Bank & Trust's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.72% in its Q2 2026 call report, above regulatory requirements.
How many branches does Cedar Valley Bank & Trust operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Cedar Valley Bank & Trust's Texas Ratio?
Its Texas Ratio is 15.93% 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.
Go deeper on Cedar Valley Bank & Trust.
Get an email when Cedar Valley Bank & Trust files its next call report, and benchmark it against any peer you choose.
Unlock Cedar Valley Bank & Trust, freeFree account