Iowa State Bank (Hull, 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 Hull, IA, established in 1879 (FDIC certificate 13953), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $1.26B, up 4.9% from Q2 2025, the 23rd largest of 225 banks headquartered in Iowa. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.72% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 13953
- Headquarters
- Hull, IA
- Established
- 1879
- Total assets, Q2 2026
- $1.26B
- Assets vs Q2 2025
- +4.9%
- Tier 1 leverage ratio, Q2 2026
- 11.72%
- Domestic offices
- 14 FDIC institution directory, current count
- Routing number
- 073922432
- Latest call report
- Q2 2026, FFIEC 051 · Iowa State Bank call report
- Holding company
- VOGEL BANCSHARES, INC.
- Asset rank in state
- 23rd of 225 in Iowa
Iowa State Bank runs leaner than most banks of its size. Its balance sheet stood at $1.3 billion at June 30, 2026, up 4.9% from a year earlier; it is based in Hull, Iowa. It spends about 42 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 58 cents). It also holds commercial real estate loans equal to only 43% of its capital, a small fraction of the median of 2.2 times for banks its size.
Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.06% of loans from 1.52%. Loans and deposits moved in opposite directions: over the year loans rose 6.3% and deposits fell 1.1%.
As of June 30, 2026, Iowa State Bank reported a return on assets of 1.67%, a nonperforming-loan ratio of 0.06% and a Texas ratio of 0.40%. The figures come from its call report filed with the FFIEC.
Iowa State Bank ranks as the 23rd largest of the 225 banks based in Iowa, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 1.8% to $1.26B, loans rose 3.2% and deposits fell 2.4%. Its loan book on June 30, 2026 was led by farmland and other real estate loans, at 40.6% of total loans, followed by agricultural production loans at 17.3%. The FDIC Summary of Deposits lists 14 offices for it, in 14 cities in IA; its Orange City office books 33% 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
- 1101 Main St, Hull, IA 51239
- County
- Sioux
- 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
- January 1, 1879
- Domestic offices
- 14 FDIC institution directory, current count
- Employees (FTE)
- 109
- Domestic deposits
- $873.0M
- Allowance for credit losses
- $10.7M
- Net charge-offs (YTD)
- -$304K
- Average total assets
- $1.28B
- Average total loans
- $891.0M
- Average interest-bearing deposits
- $868.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- February 20, 1934
- FDIC Cert
- 13953
- Fed RSSD
- 982348
- Website
- www.iowastate.bank →
- Parent Holding Company
- VOGEL BANCSHARES, INC. (RSSD 1249703)
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 $1.02B (Q3 2023) and $1.26B (Q4 2025), 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
$1.26B total assets against $1.20B; $1.12B total liabilities against $1.08B.
$893.8M net loans and leases against $841.6M; $873.0M total deposits against $882.8M.
$274.2M securities against $274.9M; $10.9M cash and balances due against $7.6M.
$17.3M total interest income against $16.1M; $6.5M total interest expense against $6.6M.
$10.8M net interest income against $9.5M.
$1.2M total noninterest income against $1.2M; $5.1M total noninterest expense against $5.1M.
$225K provision for credit losses against $150K.
$5.3M net income against $4.3M.
1.67% return on assets against 1.43%; 3.61% net interest margin against 3.34%.
11.72% tier 1 leverage ratio against 11.24%.
Inside the full Iowa State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Iowa State Bank rankings
Its closest position to the top of a national ranking is 260 of 3,606, for efficiency ratio; its furthest is 3,021 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.07% (Q3 2024) to 1.77% (Q4 2025) and its net interest margin ran from 2.97% (Q3 2024) to 3.61% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.72% | 1.67% | 0.06% | 0.40% | 3.61% |
| Q1 2026 | 11.38% | 1.46% | 0.26% | 1.70% | 3.52% |
| Q4 2025 | 11.14% | 1.77% | 0.26% | 1.70% | 3.41% |
| Q3 2025 | 10.94% | 1.42% | 0.59% | 4.17% | 3.41% |
| Q2 2025 | 11.24% | 1.43% | 1.52% | 11.04% | 3.34% |
| Q1 2025 | 10.89% | 1.25% | 4.39% | 31.20% | 3.22% |
| Q4 2024 | 10.69% | 1.11% | 2.72% | 19.70% | 3.11% |
| Q3 2024 | 10.41% | 1.07% | 3.04% | 21.69% | 2.97% |
Swipe the table sideways to see every column.
Branch Network
View all 14 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 |
|---|---|---|---|
| Orange City Main Office Branch | Orange City , IA | 51041 | $287.8M |
| Iowa State Bank (main office) | Hull , IA | 51239 | $111.9M |
| Remsen Branch | Remsen , IA | 51050 | $90.3M |
| Sheldon Branch | Sheldon , IA | 51201 | $75.5M |
| Ireton Branch | Ireton , IA | 51027 | $57.0M |
| Sibley Branch | Sibley , IA | 51249 | $43.4M |
| Le Mars Branch | Le Mars , IA | 51031 | $35.1M |
| Melvin Branch | Melvin , IA | 51350 | $35.0M |
| Sanborn Branch | Sanborn , IA | 51248 | $33.6M |
| Paullina Branch | Paullina , IA | 51046 | $28.8M |
| Merrill Branch | Merrill , IA | 51038 | $27.4M |
| Brunsville Branch | Brunsville , IA | 51008 | $19.8M |
| Holstein Branch | Holstein , IA | 51025 | $15.4M |
| Hinton Branch | Hinton , IA | 51024 | $11.8M |
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 |
|---|---|---|---|
| December 4, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 4, 2021 | Structure Change | Acquired Iowa Prairie Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2021 | Structure Change | Acquired Melvin Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2014 | Structure Change | Acquired Iowa State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 31, 2001 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 31, 2001 | Structure Change | Acquired Iowa State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 8 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.7% of deposits in IA, rank 31 of 261 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 816 applications, 766 loans originated, $133.9M originated, across 11 states
- Period: Calendar year 2020. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $1.7M approved, $1.7M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2023 (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 $1.26 billion in its FFIEC call report.
Where is Iowa State Bank headquartered?
It is headquartered in Hull, IA, United States.
When was Iowa State Bank founded?
It was established in 1879, per the FDIC institution directory.
Is Iowa State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #13953). 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 Federal Reserve.
How many branches does Iowa State Bank operate?
It operates 14 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 0.40% 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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