Earlham Savings Bank
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Data as of · sourced from FFIEC call reports. How we update
Earlham Savings Bank is an FDIC-insured commercial bank headquartered in West Des Moines, IA, established in 1931 (FDIC certificate 5796), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $382.5M, up 2.3% from Q2 2025, the 86th largest of 225 banks headquartered in Iowa. Its CET1 capital ratio was 16.78% 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
- 5796
- Headquarters
- West Des Moines, IA
- Established
- 1931
- Total assets, Q2 2026
- $382.5M
- Assets vs Q2 2025
- +2.3%
- CET1 ratio, Q2 2026
- 16.78%
- Domestic offices
- 9 FDIC institution directory, current count
- Routing number
- 073921158
- Latest call report
- Q2 2026, FFIEC 051 · Earlham Savings Bank call report
- Asset rank in state
- 86th of 225 in Iowa
Problem loans are rising at Earlham Savings Bank. It reported $383 million in assets at June 30, 2026, up 2.3% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.91% of loans from 0.25% a year earlier. It funds 9.53% of its assets with Tier 1 capital, lower than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 10.99%).
The commercial and industrial book ($24 million) is worsening: 3.03% of it is past due or on nonaccrual, up from 0.17% a year earlier. Earnings fell sharply: quarterly net income of $1.1 million was 41% below a year earlier.
As of June 30, 2026, Earlham Savings Bank reported a CET1 capital ratio of 16.78%, a return on assets of 1.11%, a nonperforming-loan ratio of 0.91% and a Texas ratio of 4.78%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Earlham Savings Bank is the 86th largest of the 225 banks headquartered in Iowa. Between Q1 2026 and Q2 2026, its total assets fell 0.2% to $382.5M, loans fell 0.5% and deposits fell 0.5%. 1-4 family residential loans made up 25.0% of its total loans on June 30, 2026, its largest category; next came farmland and other real estate loans at 23.7%. Its 9 offices in the FDIC Summary of Deposits are in 8 cities in IA; its West Des Moines office books 35% of its branch deposits. By the capital ratios in its Q2 2026 call report, Earlham Savings Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 7300 Lake Dr, West Des Moines, IA 50266
- County
- Dallas
- Metro Area
- Des Moines-West Des Moines, 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, 1931
- Domestic offices
- 9 FDIC institution directory, current count
- Employees (FTE)
- 60
- Domestic deposits
- $343.9M
- Allowance for credit losses
- $6.1M
- Net charge-offs (YTD)
- -$77K
- Average total assets
- $388.3M
- Average total loans
- $227.0M
- Average interest-bearing deposits
- $264.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 5796
- Fed RSSD
- 645540
- Website
- WWW.EARLHAMBANK.COM →
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, Earlham Savings Bank's total assets ran between $352.6M (Q3 2023) and $383.1M (Q1 2026), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$382.5M total assets against $373.9M; $345.6M total liabilities against $339.3M.
$220.6M net loans and leases against $210.2M; $343.9M total deposits against $337.6M.
$75.5M securities against $120.0M; $50.9M cash and balances due against $33.1M.
$5.0M total interest income against $4.7M; $1.5M total interest expense against $1.5M.
$3.5M net interest income against $3.2M.
$410K total noninterest income against $1.5M; $2.4M total noninterest expense against $2.3M.
$150K provision for credit losses against $0.
$1.1M net income against $1.8M.
1.11% return on assets against 1.95%; 3.74% net interest margin against 3.59%.
16.78% CET1 capital ratio against 16.96%; 9.53% tier 1 leverage ratio against 9.31%.
Inside the full Earlham Savings Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeEarlham Savings Bank rankings
Its closest position to the top of a national ranking is 614 of 2,134, for CET1 ratio; its furthest is 2,254 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.50% (Q4 2025) to 1.95% (Q2 2025) and its net interest margin ran from 3.37% (Q3 2024) to 3.74% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.78% | 1.11% | 0.91% | 4.78% | 3.74% |
| Q1 2026 | 15.37% | 0.98% | 0.93% | 5.07% | 3.61% |
| Q4 2025 | 16.35% | -0.50% | 0.37% | 2.11% | 3.65% |
| Q3 2025 | 16.86% | 0.82% | 0.25% | 2.27% | 3.67% |
| Q2 2025 | 16.96% | 1.95% | 0.25% | 2.32% | 3.59% |
| Q1 2025 | 16.15% | 1.31% | 0.26% | 2.57% | 3.50% |
| Q4 2024 | 16.29% | 0.77% | 0.02% | 1.20% | 3.52% |
| Q3 2024 | 16.22% | 0.47% | 0.00% | 1.09% | 3.37% |
Swipe the table sideways to see every column.
Branch Network
View all 9 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 |
|---|---|---|---|
| Earlham Savings Bank (main office) | West Des Moines , IA | 50266 | $121.2M |
| Earlham Branch | Earlham , IA | 50072 | $84.8M |
| De Soto Branch | De Soto , IA | 50069 | $33.2M |
| Keo Way Branch | Des Moines , IA | 50309 | $29.1M |
| Granger Branch | Granger , IA | 50109 | $23.3M |
| Van Meter Branch | Van Meter , IA | 50261 | $22.4M |
| Woodward Branch | Woodward , IA | 50276 | $16.6M |
| Des Moines Branch | Des Moines , IA | 50315 | $9.1M |
| Bevington Office of Earlham Savings Bank | Bevington , IA | 50033 | $4.2M |
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 |
|---|---|---|---|
| September 8, 1990 | Structure Change | Acquired Firstcentral Federal Savings Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 1 event.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in IA, rank 86 of 261 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $1.7M approved, $1.7M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2011 (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 Earlham Savings Bank
What are Earlham Savings Bank's total assets?
As of the Q2 2026 filing, Earlham Savings Bank reported total assets of $382.5 million in its FFIEC call report.
Where is Earlham Savings Bank headquartered?
It is headquartered in West Des Moines, IA, United States.
When was Earlham Savings Bank founded?
It was established in 1931, per the FDIC institution directory.
Is Earlham Savings Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #5796). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Earlham Savings Bank?
Earlham Savings Bank's primary federal regulator is the FDIC.
What is Earlham Savings Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 16.78% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Earlham Savings Bank operate?
It operates 9 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Earlham Savings Bank's Texas Ratio?
Its Texas Ratio is 4.78% 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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