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Banks in Waterloo, IA Current FDIC-insured banks headquartered in the Waterloo, IA metropolitan area
Data as of Q2 2026 call reports. Banks that no longer file, such as acquired banks, are not listed.
Every FDIC-insured bank with headquarters in the Waterloo, IA metro area that still files, with the most recent quarterly call report data: total assets, deposits, capital ratios, asset quality, and profitability. The full metro area covered is Waterloo-Cedar Falls, IA.
The Waterloo, IA metro area is home to 10 FDIC-insured banks, holding $5.94B in combined assets and $4.86B in deposits. The largest is Lincoln Savings Bank ($1.71B), about 29% of the group's total banking assets, followed by Farmers State Bank and First Bank. Across these banks, the median return on assets is 1.36% and the median CET1 capital ratio is 15.42%.
All banks in Waterloo, IA 10 institutions with the latest quarterly call report metrics: capital, profitability, and asset quality.
Ratio shading vs. typical bank ranges:
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Banks in the Waterloo, IA metro area, with total assets, ROA, net interest margin, efficiency ratio, CET1, NPL ratio, and Texas ratio. Bank City Assets ROA NIM Eff. CET1 NPL Texas Lincoln Savings Bank Reinbeck, IA $1.71B 0.38% 3.07% 86.2% 11.79% 4.32% 33.2% Farmers State Bank Waterloo, IA $1.60B 1.52% 3.22% 48.5% 13.41% 0.01% 0.1% First Bank Waverly, IA $739.9M 1.60% 3.80% 47.0% 17.38% 0.54% 3.4% GNB Bank Grundy Center, IA $621.3M 1.84% 4.22% 59.9% 15.45% 0.62% 3.5% Northeast Security Bank Sumner, IA $461.9M 1.21% 3.18% 51.7% 15.42% 0.00% 0.0% Denver Savings Bank Denver, IA $250.6M 0.98% 3.51% 64.2% — 0.05% 0.3% Peoples Savings Bank Wellsburg, IA $189.1M 0.80% 3.38% 72.7% — 1.19% 9.5% The Readlyn Savings Bank Readlyn, IA $148.3M 1.67% 3.29% 41.4% 26.80% 3.04% 10.3% Cedar Valley Bank & Trust La Porte City, IA $126.3M 1.57% 4.27% 61.8% 12.72% 1.27% 15.9% First Security State Bank Evansdale, IA $87.3M 1.05% 3.79% 72.4% — 3.11% 14.8%
Definitions: return on assets (ROA) , net interest margin (NIM) , efficiency ratio (Eff.) , CET1 capital ratio , nonperforming loan ratio (NPL) and Texas ratio . A blank or NM value sorts last.
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