Community Bank of Oelwein
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Data as of · sourced from FFIEC call reports. How we update
Community Bank of Oelwein is an FDIC-insured commercial bank headquartered in Oelwein, IA, established in 1998 (FDIC certificate 34857), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $95.0M, down 8.9% from Q2 2025, the 194th largest of 225 banks headquartered in Iowa. It reports no CET1 ratio; its Tier 1 leverage ratio was 14.11% 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
- 34857
- Headquarters
- Oelwein, IA
- Established
- 1998
- Total assets, Q2 2026
- $95.0M
- Assets vs Q2 2025
- -8.9%
- Tier 1 leverage ratio, Q2 2026
- 14.11%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 073922678
- Latest call report
- Q2 2026, FFIEC 051 · Community Bank of Oelwein Q3 2026 call report, filed October 5, 2026 (preliminary)
- Holding company
- BANKOELWEIN, INC.
- Asset rank in state
- 194th of 225 in Iowa
Community Bank of Oelwein, based in Oelwein, Iowa, reported $95 million in assets at June 30, 2026, down 8.9% from a year earlier. It shrank its loan book 13.6% over the year, lower than about 9 in 10 of the 533 banks with less than $100 million in assets (median 2.6%). It also pays an average of 2.29% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.53%).
Its $9.9 million non-owner-occupied commercial real estate book is now fully current, after 3.31% of it was past due or on nonaccrual a year earlier. Net income for the quarter rose 16% from a year earlier, to $266,000. Its margin is thin by comparison: it keeps 3.24 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.91 cents).
As of June 30, 2026, Community Bank of Oelwein reported a return on assets of 1.10%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 3.39%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Community Bank of Oelwein is the 194th largest of the 225 banks headquartered in Iowa. Between Q1 2026 and Q2 2026, its total assets fell 4.4% to $95.0M, loans fell 5.2% and deposits fell 5.0%. 1-4 family residential loans made up 26.6% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 16.2%. Its one office in the FDIC Summary of Deposits is in Oelwein, IA. By the capital ratios in its Q2 2026 call report, Community Bank of Oelwein meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 150 1st St Se, Oelwein, IA 50662
- County
- Fayette
- 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
- October 1, 1998
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 10
- Domestic deposits
- $75.0M
- Allowance for credit losses
- $491K
- Net charge-offs (YTD)
- $26K
- Average total assets
- $97.0M
- Average total loans
- $63.3M
- Average interest-bearing deposits
- $69.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- October 1, 1998
- FDIC Cert
- 34857
- Fed RSSD
- 2702764
- Website
- www.bankoelwein.com →
- Parent Holding Company
- BANKOELWEIN, INC. (RSSD 2904773)
- Ultimate Parent
- FIRST BELMOND BANCORPORATION (RSSD 1204887)
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, Community Bank of Oelwein reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Community Bank of Oelwein's total assets moved between a low of $95.0M (Q2 2026) and a high of $108.8M (Q1 2025) from Q3 2023 to 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
$95.0M total assets against $104.4M; $81.9M total liabilities against $91.6M.
$60.5M net loans and leases against $70.0M; $75.0M total deposits against $86.4M.
$22.3M securities against $24.0M; $7.7M cash and balances due against $6.2M.
$1.2M total interest income against $1.3M; $474K total interest expense against $624K.
$725K net interest income against $664K.
$50K total noninterest income against $45K; $448K total noninterest expense against $434K.
$0 provision for credit losses against $0.
$266K net income against $229K.
1.10% return on assets against 0.87%; 3.24% net interest margin against 2.72%.
14.11% tier 1 leverage ratio against 13.01%.
Inside the full Community Bank of Oelwein terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.35% (Q4 2024) to 1.10% (Q2 2026) and its net interest margin ran from 1.94% (Q4 2024) to 3.24% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.11% | 1.10% | 0.00% | 3.39% | 3.24% |
| Q1 2026 | 13.67% | 1.09% | 0.07% | 3.63% | 3.05% |
| Q4 2025 | 13.15% | 0.81% | 0.28% | 4.06% | 2.92% |
| Q3 2025 | 12.99% | 0.90% | 0.00% | 2.65% | 2.88% |
| Q2 2025 | 13.01% | 0.87% | 0.00% | 0.00% | 2.72% |
| Q1 2025 | 12.30% | 0.71% | 0.02% | 0.12% | 2.43% |
| Q4 2024 | 12.81% | 0.35% | 0.00% | 0.00% | 1.94% |
| Q3 2024 | 12.66% | 0.56% | 0.35% | 1.78% | 2.38% |
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 |
|---|---|---|---|
| Community Bank of Oelwein (main office) | Oelwein , IA | 50662 | $75.0M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IA, rank 222 of 261 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $619K approved, $309K 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, Mortgage lending (HMDA), 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 Community Bank of Oelwein
What are Community Bank of Oelwein's total assets?
As of the Q2 2026 filing, Community Bank of Oelwein reported total assets of $95.0 million in its FFIEC call report.
Where is Community Bank of Oelwein headquartered?
It is headquartered in Oelwein, IA, United States.
When was Community Bank of Oelwein founded?
It was established in 1998, per the FDIC institution directory.
Is Community Bank of Oelwein FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #34857). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Community Bank of Oelwein?
Community Bank of Oelwein's primary federal regulator is the FDIC.
How many branches does Community Bank of Oelwein 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 Community Bank of Oelwein's Texas Ratio?
Its Texas Ratio is 3.39% 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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