Dysart State Bank
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Data as of · sourced from FFIEC call reports. How we update
Dysart State Bank is an FDIC-insured commercial bank headquartered in Dysart, IA, established in 1934 (FDIC certificate 17441), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $16.5M, down 10.8% from Q2 2025, the 225th largest of 225 banks headquartered in Iowa. Its CET1 capital ratio was 16.09% 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
- 17441
- Headquarters
- Dysart, IA
- Established
- 1934
- Total assets, Q2 2026
- $16.5M
- Assets vs Q2 2025
- -10.8%
- CET1 ratio, Q2 2026
- 16.09%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 073906788
- Holding company
- DYSART BANCSHARES, INC.
- Asset rank in state
- 225th of 225 in Iowa
Problem loans are rising at Dysart State Bank. Based in Dysart, Iowa, it had $17 million in assets at June 30, 2026, down 10.8% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.68% of loans from 0.00% a year earlier. It returns 21.1% a year on shareholders' equity, 2.5 times the median of 8.6% for the 583 banks with less than $100 million in assets. It also spends about 47 cents to bring in each dollar of revenue, lower than about 9 in 10 banks its size (median 69 cents).
The balance sheet shrank over the year: over the year loans fell 0.2% and deposits fell 10.7%. Credit is the area to watch: it carries problem assets equal to 9.9% of the capital and reserves that would absorb them, 7.2 times the median of 1.4% for banks its size.
As of June 30, 2026, Dysart State Bank reported a CET1 capital ratio of 16.09%, a return on assets of 2.37%, a nonperforming-loan ratio of 1.68% and a Texas ratio of 9.88%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Dysart State Bank is the smallest of the 225 banks headquartered in Iowa. Between Q1 2026 and Q2 2026, its total assets fell 3.0% to $16.5M, loans rose 0.1% and deposits fell 3.5%. 1-4 family residential loans made up 43.1% of its total loans on June 30, 2026, its largest category; next came farmland and other real estate loans at 26.4%. The FDIC Summary of Deposits lists a single office for it, in Dysart, IA. Judged on its Q2 2026 call report, Dysart State Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 301 Main St, Dysart, IA 52224
- County
- Tama
- 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, 1934
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 6
- Domestic deposits
- $13.3M
- Allowance for credit losses
- $125K
- Net charge-offs (YTD)
- -$1K
- Average total assets
- $17.1M
- Average total loans
- $12.3M
- Average interest-bearing deposits
- $8.6M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- May 31, 1955
- FDIC Cert
- 17441
- Fed RSSD
- 602842
- Website
- WWW.DYSARTSTATEBANK.COM →
- Parent Holding Company
- DYSART BANCSHARES, INC. (RSSD 1130717)
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
Dysart State Bank's total assets moved between a low of $16.5M (Q2 2026) and a high of $18.5M (Q2 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
$16.5M total assets against $18.5M; $14.6M total liabilities against $16.8M.
$12.1M net loans and leases against $12.1M; $13.3M total deposits against $14.9M.
$773K securities against $1.4M; $2.0M cash and balances due against $3.4M.
$204K total interest income against $199K; $23K total interest expense against $19K.
$181K net interest income against $180K.
$16K total noninterest income against $16K; $94K total noninterest expense against $90K.
-$1K provision for credit losses against $5K.
$101K net income against $98K.
2.37% return on assets against 2.17%; 5.21% net interest margin against 5.09%.
16.09% CET1 capital ratio against 13.99%; 11.41% tier 1 leverage ratio against 9.59%.
Inside the full Dysart State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeDysart State Bank rankings
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.01% (Q4 2024) to 2.37% (Q2 2026) and its net interest margin ran from 5.08% (Q4 2025) to 5.54% (Q4 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.09% | 2.37% | 1.68% | 9.88% | 5.21% |
| Q1 2026 | 15.60% | 1.87% | 1.06% | 6.46% | 5.12% |
| Q4 2025 | 15.61% | 1.53% | 0.00% | 0.00% | 5.08% |
| Q3 2025 | 15.03% | 2.28% | 0.00% | 0.00% | 5.19% |
| Q2 2025 | 13.99% | 2.17% | 0.00% | 0.00% | 5.09% |
| Q1 2025 | 14.08% | 1.23% | 0.00% | 0.00% | 5.39% |
| Q4 2024 | 15.01% | 1.01% | 0.00% | 0.00% | 5.54% |
| Q3 2024 | 14.94% | 2.33% | 0.00% | 0.00% | 5.44% |
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 |
|---|---|---|---|
| Dysart State Bank (main office) | Dysart , IA | 52224 | $13.3M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IA, rank 257 of 261 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $33K approved, $33K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1997 (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 Dysart State Bank
What are Dysart State Bank's total assets?
As of the Q2 2026 filing, Dysart State Bank reported total assets of $16.5 million in its FFIEC call report.
Where is Dysart State Bank headquartered?
It is headquartered in Dysart, IA, United States.
When was Dysart State Bank founded?
It was established in 1934, per the FDIC institution directory.
Is Dysart State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #17441). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Dysart State Bank?
Dysart State Bank's primary federal regulator is the FDIC.
What is Dysart State Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 16.09% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Dysart State Bank 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 Dysart State Bank's Texas Ratio?
Its Texas Ratio is 9.88% 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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