Iowa Falls State Bank
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Data as of · sourced from FFIEC call reports. How we update
Iowa Falls State Bank is an FDIC-insured commercial bank headquartered in Iowa Falls, IA, established in 1933 (FDIC certificate 15311), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $201.5M, up 4.6% from Q2 2025, the 141st largest of 225 banks headquartered in Iowa. Its CET1 capital ratio was 12.37% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 15311
- Headquarters
- Iowa Falls, IA
- Established
- 1933
- Total assets, Q2 2026
- $201.5M
- Assets vs Q2 2025
- +4.6%
- CET1 ratio, Q2 2026
- 12.37%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 073921527
- Latest call report
- Q2 2026, FFIEC 051 · Iowa Falls State Bank call report
- Holding company
- SCENIC COMMUNITY BANCSHARES CORPORATION
- Asset rank in state
- 141st of 225 in Iowa
Iowa Falls State Bank operates with a thinner capital cushion than most banks of its size. It reported $202 million in assets at June 30, 2026, up 4.6% from a year earlier. It funds 8.64% of its assets with Tier 1 capital, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 10.99%). On the other hand, it spends about 51 cents to bring in each dollar of revenue, lower than about three-quarters of banks its size (median 61 cents).
Net income for the quarter rose 21% from a year earlier, to $598,000. Problem loans roughly halved over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.25% of loans from 0.45%. Profitability lags: it returns 7.9% a year on shareholders' equity, lower than about three-quarters of banks its size (median 12.5%).
As of June 30, 2026, Iowa Falls State Bank reported a CET1 capital ratio of 12.37%, a return on assets of 1.18%, a nonperforming-loan ratio of 0.25% and a Texas ratio of 1.36%. The figures come from its call report filed with the FFIEC.
Of the 225 banks headquartered in Iowa, Iowa Falls State Bank is the 141st largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 1.3% to $201.5M, loans fell 1.6% and deposits rose 3.3%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 35.2% of total loans, followed by farmland and other real estate loans at 15.6%. The FDIC Summary of Deposits lists 2 offices for it, in Iowa Falls, IA and Williams, IA; its Iowa Falls office books 96% of its branch deposits. On its Q2 2026 call report, Iowa Falls State Bank meets every capital ratio test for well capitalized.
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
- 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, 1933
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 30
- Domestic deposits
- $162.8M
- Allowance for credit losses
- $1.1M
- Net charge-offs (YTD)
- $24K
- Average total assets
- $202.1M
- Average total loans
- $98.5M
- Average interest-bearing deposits
- $177.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- December 6, 1953
- FDIC Cert
- 15311
- Fed RSSD
- 989141
- Website
- www.ifsbank.com →
- Parent Holding Company
- SCENIC COMMUNITY BANCSHARES CORPORATION (RSSD 5780811)
- Ultimate Parent
- FSB FINANCIAL SERVICES, INC. (RSSD 1204832)
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, Iowa Falls State Bank's total assets ran between $162.0M (Q3 2023) and $204.2M (Q1 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
$201.5M total assets against $192.6M; $170.9M total liabilities against $162.9M.
$97.6M net loans and leases against $92.2M; $162.8M total deposits against $152.4M.
$82.1M securities against $76.1M; $3.1M cash and balances due against $4.5M.
$2.8M total interest income against $2.7M; $925K total interest expense against $961K.
$1.9M net interest income against $1.7M.
$191K total noninterest income against $242K; $1.3M total noninterest expense against $1.4M.
$0 provision for credit losses against $12K.
$598K net income against $495K.
1.18% return on assets against 1.03%; 4.17% net interest margin against 4.12%.
12.37% CET1 capital ratio against 12.52%; 8.64% tier 1 leverage ratio against 8.82%.
Inside the full Iowa Falls State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeIowa Falls State Bank rankings
Its closest position to the top of a national ranking is 866 of 3,606, for efficiency ratio; its furthest is 1,592 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.92% (Q3 2024) to 1.92% (Q1 2025) and its net interest margin ran from 4.02% (Q1 2025) to 4.31% (Q4 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.37% | 1.18% | 0.25% | 1.36% | 4.17% |
| Q1 2026 | 11.90% | 1.18% | 0.27% | 1.51% | 4.12% |
| Q4 2025 | 12.61% | 0.95% | 0.34% | 1.82% | 4.06% |
| Q3 2025 | 12.01% | 0.96% | 0.34% | 1.96% | 4.22% |
| Q2 2025 | 12.52% | 1.03% | 0.45% | 2.56% | 4.12% |
| Q1 2025 | 11.85% | 1.92% | 0.49% | 2.80% | 4.02% |
| Q4 2024 | 11.13% | 1.07% | 0.51% | 3.30% | 4.31% |
| Q3 2024 | 10.51% | 0.92% | 0.51% | 3.18% | 4.30% |
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 |
|---|---|---|---|
| Iowa Falls State Bank (main office) | Iowa Falls , IA | 50126 | $156.5M |
| Williams Bank Office Branch | Williams , IA | 50271 | $6.3M |
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 |
|---|---|---|---|
| March 20, 1986 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 20, 1986 | Structure Change | Acquired Williams 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 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in IA, rank 162 of 261 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $140K approved, $140K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2016 (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 Iowa Falls State Bank
What are Iowa Falls State Bank's total assets?
As of the Q2 2026 filing, Iowa Falls State Bank reported total assets of $201.5 million in its FFIEC call report.
Where is Iowa Falls State Bank headquartered?
It is headquartered in Iowa Falls, IA, United States.
When was Iowa Falls State Bank founded?
It was established in 1933, per the FDIC institution directory.
Is Iowa Falls State Bank FDIC-insured?
Yes. It 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.
What is Iowa Falls State Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.37% in its Q2 2026 call report, above regulatory requirements.
How many branches does Iowa Falls State 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 Iowa Falls State Bank's Texas Ratio?
Its Texas Ratio is 1.36% 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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