FNNB Bank
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Data as of · sourced from FFIEC call reports. How we update
FNNB Bank is an FDIC-insured commercial bank headquartered in Newton, IA, established in 1932 (FDIC certificate 4482), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $109.5M, up 3.8% from Q2 2025, the 189th largest of 225 banks headquartered in Iowa. Its CET1 capital ratio was 12.38% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 4482
- Headquarters
- Newton, IA
- Established
- 1932
- Total assets, Q2 2026
- $109.5M
- Assets vs Q2 2025
- +3.8%
- CET1 ratio, Q2 2026
- 12.38%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 073902096
- Holding company
- UNITED IOWA BANCSHARES, INC.
- Asset rank in state
- 189th of 225 in Iowa
Problem loans are rising at FNNB Bank. Based in Newton, Iowa, it had $109 million in assets at June 30, 2026, up 3.8% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.55% of loans from 0.00% a year earlier. It pays an average of 1.02% on its deposits and borrowings, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 1.80%). It also grew its loan book 15.8% over the year, about triple the median of 5.5% for banks its size.
Earnings jumped: net income for the quarter was $433,000, 68% above the same quarter a year earlier. Over the same year, loans grew 15.8% and deposits grew 2.7%. Where it has less room is capital: it holds common equity equal to 12.38% of its risk-weighted assets, lower than about three-quarters of banks its size (median 15.12%).
As of June 30, 2026, FNNB Bank reported a CET1 capital ratio of 12.38%, a return on assets of 1.66%, a nonperforming-loan ratio of 0.55% and a Texas ratio of 4.37%. The figures come from its call report filed with the FFIEC.
FNNB Bank ranks as the 189th largest of the 225 banks based in Iowa, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 4.6% to $109.5M, loans rose 7.1% and deposits rose 5.2%. Its loan book on June 30, 2026 was led by non-owner-occupied commercial real estate loans, at 21.2% of total loans, followed by commercial and industrial loans at 19.9%. Its one office in the FDIC Summary of Deposits is in Newton, IA. Judged on its Q2 2026 call report, FNNB Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 100 N 2nd Ave W, Newton, IA 50208
- County
- Jasper
- Metro Area
- Des Moines-West Des Moines, IA
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- March 28, 1932
- Former names
- First Newton National Bank (1977-2016)
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 15
- Domestic deposits
- $89.3M
- Allowance for credit losses
- $814K
- Net charge-offs (YTD)
- -$2K
- Average total assets
- $104.1M
- Average total loans
- $75.2M
- Average interest-bearing deposits
- $58.3M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 4482
- Fed RSSD
- 242949
- Website
- www.fnnbbank.com →
- Parent Holding Company
- UNITED IOWA BANCSHARES, INC. (RSSD 1200964)
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
From Q3 2023 to Q2 2026, FNNB Bank's total assets ranged from $102.3M (Q4 2025) to $115.7M (Q4 2023), 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
$109.5M total assets against $105.4M; $100.4M total liabilities against $97.2M.
$77.7M net loans and leases against $67.1M; $89.3M total deposits against $86.9M.
$23.2M securities against $27.6M; $3.7M cash and balances due against $6.0M.
$1.4M total interest income against $1.2M; $246K total interest expense against $297K.
$1.2M net interest income against $953K.
$63K total noninterest income against $51K; $760K total noninterest expense against $726K.
$14K provision for credit losses against $10K.
$433K net income against $257K.
1.66% return on assets against 0.98%; 4.57% net interest margin against 3.81%.
12.38% CET1 capital ratio against 12.70%; 9.74% tier 1 leverage ratio against 9.06%.
Inside the full FNNB Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFNNB Bank rankings
Its closest position to the top of a national ranking is 965 of 3,611, for ROA; its furthest is 3,595 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.57% (Q3 2024) to 1.66% (Q2 2026) and its net interest margin ran from 3.28% (Q3 2024) to 4.57% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.38% | 1.66% | 0.55% | 4.37% | 4.57% |
| Q1 2026 | 12.73% | 1.21% | 0.59% | 4.34% | 4.41% |
| Q4 2025 | 13.03% | 0.99% | 0.00% | 0.00% | 4.21% |
| Q3 2025 | 12.96% | 1.18% | 0.00% | 0.00% | 4.22% |
| Q2 2025 | 12.70% | 0.98% | 0.00% | 0.00% | 3.81% |
| Q1 2025 | 12.96% | 0.82% | 0.00% | 0.00% | 3.70% |
| Q4 2024 | 13.15% | 0.79% | 0.00% | 0.00% | 3.49% |
| Q3 2024 | 12.66% | 0.57% | 0.00% | 0.00% | 3.28% |
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 |
|---|---|---|---|
| FNNB Bank (main office) | Newton , IA | 50208 | $89.3M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IA, rank 213 of 261 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $2.6M approved, $1.3M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2018 (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 FNNB Bank
What are FNNB Bank's total assets?
As of the Q2 2026 filing, FNNB Bank reported total assets of $109.5 million in its FFIEC call report.
Where is FNNB Bank headquartered?
It is headquartered in Newton, IA, United States.
When was FNNB Bank founded?
It was established in 1932, per the FDIC institution directory.
Is FNNB Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #4482). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates FNNB Bank?
FNNB Bank's primary federal regulator is the Federal Reserve.
What is FNNB Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.38% in its Q2 2026 call report, above regulatory requirements.
How many branches does FNNB 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 FNNB Bank's Texas Ratio?
Its Texas Ratio is 4.37% 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.
What was FNNB Bank previously called?
The charter now named FNNB Bank has also operated as First Newton National Bank (1977-2016), per FDIC structure-change records.
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