Iowa Falls State Bank
Operating from Iowa Falls, IA, Iowa Falls State Bank serves its local market as an FDIC-insured commercial bank. On its most recent Q1 2026 call report, Iowa Falls State reported $204M in total assets against $158M in deposits. Earnings are mid-range — 1.18% ROA and a 4.12% net interest margin. Capital cushions are healthy: 11.90% CET1, 8.26% Tier 1 leverage. Credit metrics are pristine, with nonperforming loans at just 0.26%. It operates 2 branches, primarily in Iowa.
Headquarters Profile
- Address
- 601 Washington Ave, IOWA FALLS, IA 50126
- County
- Hardin
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- Fed District
- 11
- Established
- January 1, 1933
- Branches
- 2 domestic
- Employees (FTE)
- 29
- FDIC Cert
- 15311
- Fed RSSD
- 989141
- Website
- www.ifsbank.com →
- Parent Holding Company
- SCENIC COMMUNITY BANCSHARES CORPORATION (RSSD 5780811)
Capital & Liquidity
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Iowa Falls State Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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.
- Structure ChangeFailure, Government Assistance ProvidedFFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
Sourced from unified bank events (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
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Frequently asked about Iowa Falls State Bank
What are Iowa Falls State Bank's total assets?
As of the Q1 2026 filing, Iowa Falls State Bank reported total assets of $204.2 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Iowa Falls State Bank headquartered?
Iowa Falls State Bank is headquartered in IOWA FALLS, IA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Iowa Falls State Bank founded?
Iowa Falls State Bank was established in 1933, per the FDIC institution directory.
Is Iowa Falls State Bank FDIC-insured?
Yes. Iowa Falls State Bank is an FDIC-insured commercial bank (FDIC Certificate #15311). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Iowa Falls State Bank?
Iowa Falls State Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Iowa Falls State Bank's CET1 capital ratio?
Iowa Falls State Bank reported a Common Equity Tier 1 (CET1) capital ratio of 11.90% in its most recent quarterly filing — above regulatory minimums.
How many branches does Iowa Falls State Bank operate?
Iowa Falls State Bank operates 2 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Iowa Falls State Bank's Texas Ratio?
Iowa Falls State Bank's Texas Ratio is 1.51% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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