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Cedar Valley Bank & Trust

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La Porte City, IA $100M to $1B in assets Est. July 6, 1906 FDIC #14694 RSSD #1014246 Routing #073914864 FDIC

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
Assets
$126.3M
Deposits
$114.5M
Loans
$113.0M
Equity
$11.3M

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

Profitability

Q2 annualized
Return on Assets1.57%YTD 1.39%
Return on Equity17.66%YTD 15.71%
Net Interest Margin4.27%YTD 4.36%

Balance Sheet

Total liabilities$114.9M
Cash & balances due$7.3M
Securities, available-for-sale$4.0M
Securities, held-to-maturity$0
Goodwill & intangibles$0

Income Statement

Net income Q2$493K
Net interest income YTD$2.6M
Total interest income YTD$3.5M
Total interest expense YTD$909K
Provision for credit losses YTD$55K

Operating & Funding

Total noninterest income YTD$125K
Total noninterest expense YTD$1.8M

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

Total assets and total liabilities

$126.3M total assets against $120.2M; $114.9M total liabilities against $109.7M.

Loans and leases against deposits

$112.1M net loans and leases against $110.8M; $114.5M total deposits against $95.8M.

Securities and cash

$4.1M securities against $4.3M; $7.3M cash and balances due against $2.7M.

Interest income against interest expense

$1.8M total interest income against $1.7M; $484K total interest expense against $493K.

Net interest income

$1.3M net interest income against $1.2M.

Noninterest income against noninterest expense

$79K total noninterest income against $43K; $857K total noninterest expense against $819K.

Provision for credit losses

$30K provision for credit losses against $25K.

Net income

$493K net income against $419K.

Return on assets and net interest margin

1.57% return on assets against 1.37%; 4.27% net interest margin against 4.12%.

CET1 and Tier 1 leverage ratios

12.72% CET1 capital ratio against 11.79%; 9.01% tier 1 leverage ratio against 8.57%.

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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.

1–2 of 2
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

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Cedar Valley Bank & Trust: regulatory capital profile · BankRegReports

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.

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