Iowa State Bank (Des Moines, 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 Des Moines, IA, established in 1941 (FDIC certificate 15808), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $480.5M, up 4.2% from Q2 2025, the 69th largest of 225 banks headquartered in Iowa. It reports no CET1 ratio; its Tier 1 leverage ratio was 15.92% 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
- 15808
- Headquarters
- Des Moines, IA
- Established
- 1941
- Total assets, Q2 2026
- $480.5M
- Assets vs Q2 2025
- +4.2%
- Tier 1 leverage ratio, Q2 2026
- 15.92%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 073000794
- Holding company
- IOWA STATE BANK HOLDING COMPANY
- Asset rank in state
- 69th of 225 in Iowa
Iowa State Bank, based in Des Moines, Iowa, reported $481 million in assets at June 30, 2026, up 4.2% from a year earlier. It carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 2.6%). It also funds 15.92% of its assets with Tier 1 capital, higher than about three-quarters of banks its size (median 10.99%).
Net income for the quarter rose 21% from a year earlier, to $2.5 million.
As of June 30, 2026, Iowa State Bank reported a return on assets of 2.14%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Of the 225 banks headquartered in Iowa, Iowa State Bank is the 69th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 3.5% to $480.5M, loans rose 4.3% and deposits rose 3.5%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 27.0% of total loans, ahead of 1-4 family residential loans at 23.6%. Its 5 offices in the FDIC Summary of Deposits are in Des Moines, IA, Urbandale, IA and West Des Moines, IA; its Des Moines 3 offices book 56% 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
- 627 E Locust St, Des Moines, IA 50309
- County
- Polk
- 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
- April 14, 1941
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 88
- Domestic deposits
- $392.0M
- Allowance for credit losses
- $2.1M
- Net charge-offs (YTD)
- $0
- Average total assets
- $458.9M
- Average total loans
- $268.2M
- Average interest-bearing deposits
- $290.3M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- April 14, 1941
- FDIC Cert
- 15808
- Fed RSSD
- 662949
- Website
- http://www.iowastatebanks.com →
- Parent Holding Company
- IOWA STATE BANK HOLDING COMPANY (RSSD 1139792)
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
Iowa State Bank's total assets moved between a low of $422.7M (Q3 2023) and a high of $480.5M (Q2 2026) from Q3 2023 to Q2 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
$480.5M total assets against $461.0M; $410.0M total liabilities against $392.4M.
$274.5M net loans and leases against $266.9M; $392.0M total deposits against $377.9M.
$147.3M securities against $124.5M; $50.0M cash and balances due against $51.0M.
$5.2M total interest income against $5.1M; $1.2M total interest expense against $1.3M.
$4.0M net interest income against $3.7M.
$2.2M total noninterest income against $2.0M; $3.5M total noninterest expense against $3.6M.
$54K provision for credit losses against -$54K.
$2.5M net income against $2.0M.
2.14% return on assets against 1.73%; 3.74% net interest margin against 3.38%.
15.92% tier 1 leverage ratio against 15.54%.
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 362 of 3,611, for ROA; its furthest is 3,415 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.36% (Q3 2024) to 2.14% (Q2 2026) and its net interest margin ran from 3.11% (Q4 2024) to 3.74% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.92% | 2.14% | 0.00% | 0.00% | 3.74% |
| Q1 2026 | 15.54% | 1.45% | 0.02% | 0.07% | 3.57% |
| Q4 2025 | 15.46% | 1.73% | 0.02% | 0.07% | 3.73% |
| Q3 2025 | 15.31% | 1.96% | 0.02% | 0.07% | 3.60% |
| Q2 2025 | 15.54% | 1.73% | 0.02% | 0.07% | 3.38% |
| Q1 2025 | 15.83% | 1.70% | 0.02% | 0.07% | 3.16% |
| Q4 2024 | 15.61% | 1.63% | 0.02% | 0.07% | 3.11% |
| Q3 2024 | 15.67% | 1.36% | 0.00% | 0.00% | 3.13% |
Swipe the table sideways to see every column.
Branch Network
View all 5 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) | Des Moines , IA | 50309 | $115.1M |
| Hickman Office | Urbandale , IA | 50323 | $111.9M |
| West Des Moines Branch | West Des Moines , IA | 50265 | $60.7M |
| Hubbell Avenue Branch | Des Moines , IA | 50317 | $58.1M |
| Ninth Street Branch | Des Moines , IA | 50315 | $46.2M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in IA, rank 73 of 261 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 63 applications, 56 loans originated, $14.2M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $236K approved, $236K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 $480.5 million in its FFIEC call report.
Where is Iowa State Bank headquartered?
It is headquartered in Des Moines, IA, United States.
When was Iowa State Bank founded?
It was established in 1941, per the FDIC institution directory.
Is Iowa State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #15808). 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 5 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 0.00% 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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