Iowa State Bank (Sac City, IA)
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Data as of · sourced from FFIEC call reports. How we update
Iowa State Bank is an FDIC-insured commercial bank headquartered in Sac City, IA, established in 1926 (FDIC certificate 10497), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $213.3M, up 7.6% from Q2 2025, the 135th largest of 225 banks headquartered in Iowa. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.53% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 10497
- Headquarters
- Sac City, IA
- Established
- 1926
- Total assets, Q2 2026
- $213.3M
- Assets vs Q2 2025
- +7.6%
- Tier 1 leverage ratio, Q2 2026
- 11.53%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 073920654
- Latest call report
- Q2 2026, FFIEC 051 · Iowa State Bank call report
- Holding company
- SAC CITY LIMITED
- Asset rank in state
- 135th of 225 in Iowa
Problem loans are rising at Iowa State Bank. It reported $213 million in assets at June 30, 2026, up 7.6% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.84% of loans from 0.21% a year earlier. It keeps 3.02 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). It also shrank its loan book 4.9% over the year, lower than about 9 in 10 banks its size (median 5.5%).
Net income for the quarter slipped 28% from a year earlier, to $675,000. Over the same year, loans shrank 4.9% and deposits grew 7.5%. Credit is the area to watch: it carries problem assets equal to 13.5% of the capital and reserves that would absorb them, 5.1 times the median of 2.6% for banks its size.
As of June 30, 2026, Iowa State Bank reported a return on assets of 1.26%, a nonperforming-loan ratio of 1.84% and a Texas ratio of 13.54%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Iowa State Bank is the 135th largest of the 225 banks headquartered in Iowa. Between Q1 2026 and Q2 2026, its total assets fell 2.1% to $213.3M, loans fell 4.5% and deposits fell 2.6%. 1-4 family residential loans made up 29.5% of its total loans on June 30, 2026, its largest category; next came farmland and other real estate loans at 18.7%. Its 3 offices in the FDIC Summary of Deposits are in Sac City, IA, Odebolt, IA and Lake View, IA; its Sac City office books 82% of its branch deposits. On its Q2 2026 call report, Iowa State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 500 Audubon St, Sac City, IA 50583
- County
- Sac
- 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
- March 29, 1926
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 25
- Domestic deposits
- $187.5M
- Allowance for credit losses
- $2.4M
- Net charge-offs (YTD)
- $357K
- Average total assets
- $214.4M
- Average total loans
- $155.8M
- Average interest-bearing deposits
- $153.7M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 10497
- Fed RSSD
- 298049
- Website
- https://www.myisb.bank →
- Parent Holding Company
- SAC CITY LIMITED (RSSD 1203488)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Iowa State Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Iowa State Bank's total assets ran between $195.2M (Q3 2023) and $217.8M (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
$213.3M total assets against $198.3M; $188.5M total liabilities against $175.4M.
$150.8M net loans and leases against $158.4M; $187.5M total deposits against $174.3M.
$41.0M securities against $28.8M; $16.7M cash and balances due against $6.7M.
$2.7M total interest income against $2.8M; $1.1M total interest expense against $1.1M.
$1.6M net interest income against $1.7M.
$157K total noninterest income against $165K; $967K total noninterest expense against $845K.
$60K provision for credit losses against $9K.
$675K net income against $934K.
1.26% return on assets against 1.85%; 3.02% net interest margin against 3.37%.
11.53% tier 1 leverage ratio against 11.50%.
Inside the full Iowa State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeIowa State Bank rankings
Its closest position to the top of a national ranking is 376 of 3,640, for Texas Ratio; its furthest is 2,881 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.26% (Q2 2026) to 1.93% (Q3 2025) and its net interest margin ran from 2.95% (Q3 2024) to 3.44% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.53% | 1.26% | 1.84% | 13.54% | 3.02% |
| Q1 2026 | 11.63% | 1.67% | 1.37% | 11.24% | 3.25% |
| Q4 2025 | 11.76% | 1.74% | 0.20% | 4.14% | 3.40% |
| Q3 2025 | 11.79% | 1.93% | 0.22% | 1.41% | 3.44% |
| Q2 2025 | 11.50% | 1.85% | 0.21% | 1.35% | 3.37% |
| Q1 2025 | 11.35% | 1.41% | 0.63% | 4.12% | 2.95% |
| Q4 2024 | 11.36% | 1.42% | 0.63% | 4.38% | 2.99% |
| Q3 2024 | 11.28% | 1.40% | 0.72% | 5.00% | 2.95% |
Swipe the table sideways to see every column.
Branch Network
View all 3 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 State Bank (main office) | Sac City , IA | 50583 | $154.5M |
| 219 South Main Street Branch | Odebolt , IA | 51458 | $17.6M |
| Fifth at Main Branch | Lake View , IA | 51450 | $15.3M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in IA, rank 143 of 261 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $354K approved, $354K 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 Iowa State Bank
What are Iowa State Bank's total assets?
As of the Q2 2026 filing, Iowa State Bank reported total assets of $213.3 million in its FFIEC call report.
Where is Iowa State Bank headquartered?
It is headquartered in Sac City, IA, United States.
When was Iowa State Bank founded?
It was established in 1926, per the FDIC institution directory.
Is Iowa State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #10497). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Iowa State Bank?
Iowa State Bank's primary federal regulator is the FDIC.
How many branches does Iowa State Bank operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Iowa State Bank's Texas Ratio?
Its Texas Ratio is 13.54% 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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