Denver Savings Bank
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Data as of · sourced from FFIEC call reports. How we update
Denver Savings Bank is an FDIC-insured commercial bank headquartered in Denver, IA, established in 1902 (FDIC certificate 12857), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $250.6M, up 2.4% from Q2 2025, the 125th largest of 225 banks headquartered in Iowa. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.84% 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
- 12857
- Headquarters
- Denver, IA
- Established
- 1902
- Total assets, Q2 2026
- $250.6M
- Assets vs Q2 2025
- +2.4%
- Tier 1 leverage ratio, Q2 2026
- 10.84%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 073912837
- Latest call report
- Q2 2026, FFIEC 051 · Denver Savings Bank call report
- Holding company
- PSB CORPORATION
- Asset rank in state
- 125th of 225 in Iowa
Denver Savings Bank leans heavily on commercial real estate. Its balance sheet stood at $251 million at June 30, 2026, up 2.4% from a year earlier; it is based in Denver, Iowa. It holds commercial real estate loans worth 2.5 times its capital, about double the median of 1.2 times for the 2,660 banks with $100 million to $1 billion in assets. It also pays an average of 2.47% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
Earnings jumped: net income for the quarter was $626,000, 94% above the same quarter a year earlier. Paper losses on its bond portfolio are shrinking: unrealized losses of $3.5 million equal 13% of Tier 1 capital, down from 19% a year earlier.
As of June 30, 2026, Denver Savings Bank reported a return on assets of 0.98%, a nonperforming-loan ratio of 0.05% and a Texas ratio of 0.33%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Denver Savings Bank is the 125th largest of the 225 banks headquartered in Iowa. From Q1 2026 to Q2 2026, its total assets fell 0.8% to $250.6M, loans rose 1.1% and deposits fell 1.4%. Non-owner-occupied commercial real estate loans made up 30.0% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 18.0%. The FDIC Summary of Deposits lists 2 offices for it, in Denver, IA and Waverly, IA; its Denver office books 91% of its branch deposits. On its Q2 2026 call report, Denver Savings Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 121 S State St, Denver, IA 50622
- County
- Bremer
- 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
- January 1, 1902
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 28
- Domestic deposits
- $186.9M
- Allowance for credit losses
- $1.8M
- Net charge-offs (YTD)
- $10K
- Average total assets
- $254.3M
- Average total loans
- $174.5M
- Average interest-bearing deposits
- $160.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 12857
- Fed RSSD
- 220844
- Website
- www.bankdsb.com →
- Parent Holding Company
- PSB CORPORATION (RSSD 1210468)
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, Denver Savings Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Denver Savings Bank's total assets moved between a low of $237.5M (Q4 2023) and a high of $258.3M (Q3 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
$250.6M total assets against $244.7M; $224.4M total liabilities against $221.0M.
$174.5M net loans and leases against $171.0M; $186.9M total deposits against $183.5M.
$51.4M securities against $48.5M; $10.1M cash and balances due against $11.1M.
$3.5M total interest income against $3.1M; $1.4M total interest expense against $1.4M.
$2.1M net interest income against $1.7M.
$151K total noninterest income against $145K; $1.5M total noninterest expense against $1.4M.
$0 provision for credit losses against $0.
$626K net income against $323K.
0.98% return on assets against 0.53%; 3.51% net interest margin against 2.93%.
10.84% tier 1 leverage ratio against 10.68%.
Inside the full Denver Savings Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Denver Savings Bank rankings
Its closest position to the top of a national ranking is 2,274 of 3,606, for efficiency ratio; its furthest is 3,069 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.12% (Q1 2025) to 0.98% (Q2 2026) and its net interest margin ran from 2.50% (Q3 2024) to 3.51% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.84% | 0.98% | 0.05% | 0.33% | 3.51% |
| Q1 2026 | 10.64% | 0.68% | 0.00% | 0.00% | 3.22% |
| Q4 2025 | 10.28% | 0.57% | 0.00% | 0.00% | 3.00% |
| Q3 2025 | 10.43% | 0.59% | 0.00% | 0.00% | 2.95% |
| Q2 2025 | 10.68% | 0.53% | 0.00% | 0.00% | 2.93% |
| Q1 2025 | 10.45% | 0.12% | 0.00% | 0.00% | 2.67% |
| Q4 2024 | 10.40% | 0.39% | 0.00% | 0.00% | 2.63% |
| Q3 2024 | 10.22% | 0.31% | 0.00% | 0.00% | 2.50% |
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 |
|---|---|---|---|
| Denver Savings Bank (main office) | Denver , IA | 50622 | $169.7M |
| Denver Savings Bank - Waverly Branch | Waverly , IA | 50677 | $17.2M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in IA, rank 145 of 261 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 79 applications, 77 loans originated, $19.7M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $130K approved, $130K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (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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Frequently asked about Denver Savings Bank
What are Denver Savings Bank's total assets?
As of the Q2 2026 filing, Denver Savings Bank reported total assets of $250.6 million in its FFIEC call report.
Where is Denver Savings Bank headquartered?
It is headquartered in Denver, IA, United States.
When was Denver Savings Bank founded?
It was established in 1902, per the FDIC institution directory.
Is Denver Savings Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #12857). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Denver Savings Bank?
Denver Savings Bank's primary federal regulator is the FDIC.
How many branches does Denver Savings Bank 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 Denver Savings Bank's Texas Ratio?
Its Texas Ratio is 0.33% 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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