Crawford County Trust and Savings Bank
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Data as of · sourced from FFIEC call reports. How we update
Crawford County Trust and Savings Bank is an FDIC-insured commercial bank headquartered in Denison, IA, established in 1927 (FDIC certificate 8511), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $294.5M, up 6.5% from Q2 2025, the 103rd largest of 225 banks headquartered in Iowa. Its CET1 capital ratio was 14.38% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 8511
- Headquarters
- Denison, IA
- Established
- 1927
- Total assets, Q2 2026
- $294.5M
- Assets vs Q2 2025
- +6.5%
- CET1 ratio, Q2 2026
- 14.38%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 073902889
- Latest call report
- Q2 2026, FFIEC 051 · Crawford County Trust and Savings Bank Q3 2026 call report, filed October 19, 2026 (preliminary)
- Holding company
- VIKING CORPORATION, THE
- Asset rank in state
- 103rd of 225 in Iowa
Crawford County Trust and Savings Bank is one of the more profitable banks of its size. Based in Denison, Iowa, it had $294 million in assets at June 30, 2026, up 6.5% from a year earlier. It returns 21.4% a year on shareholders' equity, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 12.5%). It also holds commercial real estate loans equal to only 11% of its capital, a small fraction of the median of 1.2 times for banks its size. Much of that comes from cost control: it spends about 48 cents to bring in each dollar of revenue.
Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.03% of loans from 1.75%. Deposits are coming in faster than loans: over the year loans rose 0.2% and deposits rose 5.9%.
As of June 30, 2026, Crawford County Trust and Savings Bank reported a CET1 capital ratio of 14.38%, a return on assets of 1.88%, a nonperforming-loan ratio of 0.03% and a Texas ratio of 0.22%. The figures come from its call report filed with the FFIEC.
Crawford County Trust and Savings Bank ranks as the 103rd largest of the 225 banks based in Iowa, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 3.2% to $294.5M, loans rose 0.7% and deposits rose 3.4%. Agricultural production loans made up 46.8% of its total loans on June 30, 2026, its largest category; next came farmland and other real estate loans at 24.0%. Its 3 offices in the FDIC Summary of Deposits are in Denison, IA, Audubon, IA and Kimballton, IA; its Denison office books 67% of its branch deposits. By the capital ratios in its Q2 2026 call report, Crawford County Trust and Savings Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 21 N Main St, Denison, IA 51442
- County
- Crawford
- 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
- March 15, 1927
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 34
- Domestic deposits
- $267.2M
- Allowance for credit losses
- $2.3M
- Net charge-offs (YTD)
- $51K
- Average total assets
- $292.9M
- Average total loans
- $194.7M
- Average interest-bearing deposits
- $214.0M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 8511
- Fed RSSD
- 810544
- SEC CIK
- 1380288 → filed by VIKING CORPORATION, THE
- Parent Holding Company
- VIKING CORPORATION, THE (RSSD 1021570)
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
Over the 12 quarters to Q2 2026, Crawford County Trust and Savings Bank's total assets ran between $265.8M (Q3 2023) and $294.5M (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
$294.5M total assets against $276.6M; $268.5M total liabilities against $253.6M.
$190.6M net loans and leases against $190.1M; $267.2M total deposits against $252.2M.
$64.0M securities against $61.9M; $29.3M cash and balances due against $13.9M.
$3.6M total interest income against $3.5M; $976K total interest expense against $1.1M.
$2.6M net interest income against $2.3M.
$261K total noninterest income against $250K; $1.4M total noninterest expense against $1.2M.
$50K provision for credit losses against $0.
$1.4M net income against $1.3M.
1.88% return on assets against 1.85%; 3.76% net interest margin against 3.43%.
14.38% CET1 capital ratio against 12.91%; 9.93% tier 1 leverage ratio against 9.26%.
Inside the full Crawford County Trust and Savings Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCrawford County Trust and Savings Bank rankings
Its closest position to the top of a national ranking is 625 of 3,606, for efficiency ratio; its furthest is 3,147 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.55% (Q1 2025) to 1.92% (Q3 2025) and its net interest margin ran from 3.29% (Q1 2025) to 3.76% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.38% | 1.88% | 0.03% | 0.22% | 3.76% |
| Q1 2026 | 14.12% | 1.88% | 0.19% | 1.30% | 3.68% |
| Q4 2025 | 13.21% | 1.89% | 0.18% | 1.29% | 3.65% |
| Q3 2025 | 13.38% | 1.92% | 0.24% | 1.72% | 3.61% |
| Q2 2025 | 12.91% | 1.85% | 2.00% | 13.30% | 3.43% |
| Q1 2025 | 12.47% | 1.55% | 0.24% | 3.41% | 3.29% |
| Q4 2024 | 12.14% | 1.81% | 0.25% | 3.68% | 3.31% |
| Q3 2024 | 11.94% | 1.59% | 0.24% | 3.52% | 3.30% |
Swipe the table sideways to see every column.
Branch Network
View all 3 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 |
|---|---|---|---|
| Crawford County Trust and Savings Bank (main office) | Denison , IA | 51442 | $180.2M |
| Audubon Branch | Audubon , IA | 50025 | $77.9M |
| Kimballton Branch | Kimballton , IA | 51543 | $9.2M |
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 |
|---|---|---|---|
| January 1, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2018 | Structure Change | Acquired Landmands Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in IA, rank 108 of 261 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $300K approved, $300K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2009 (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 Crawford County Trust and Savings Bank
What are Crawford County Trust and Savings Bank's total assets?
As of the Q2 2026 filing, Crawford County Trust and Savings Bank reported total assets of $294.5 million in its FFIEC call report.
Where is Crawford County Trust and Savings Bank headquartered?
It is headquartered in Denison, IA, United States.
When was Crawford County Trust and Savings Bank founded?
It was established in 1927, per the FDIC institution directory.
Is Crawford County Trust and Savings Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #8511). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Crawford County Trust and Savings Bank?
Crawford County Trust and Savings Bank's primary federal regulator is the FDIC.
What is Crawford County Trust and Savings Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.38% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Crawford County Trust and Savings Bank operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Crawford County Trust and Savings Bank's Texas Ratio?
Its Texas Ratio is 0.22% 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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