Iowa State Bank and Trust Company
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Data as of · sourced from FFIEC call reports. How we update
Iowa State Bank and Trust Company is an FDIC-insured commercial bank headquartered in Fairfield, IA, established in 1934 (FDIC certificate 14413), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $352.1M, up 16.3% from Q2 2025, the 91st largest of 225 banks headquartered in Iowa. Its CET1 capital ratio was 10.90% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 14413
- Headquarters
- Fairfield, IA
- Established
- 1934
- Total assets, Q2 2026
- $352.1M
- Assets vs Q2 2025
- +16.3%
- CET1 ratio, Q2 2026
- 10.90%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 073901880
- Latest call report
- Q2 2026, FFIEC 051 · Iowa State Bank and Trust Company call report
- Holding company
- IOWA STATE FINANCIAL SERVICES CORPORATION
- Asset rank in state
- 91st of 225 in Iowa
Iowa State Bank and Trust Company operates with a thinner capital cushion than most banks of its size. The Fairfield, Iowa bank had $352 million in assets at June 30, 2026, up 16.3% from a year earlier. It holds common equity equal to 10.90% of its risk-weighted assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 15.12%). It also grew deposits 17.4% over the year, 4.3 times the median of 4.0% for banks its size.
Earnings jumped: net income for the quarter was $1.1 million, 77% above the same quarter a year earlier. Over the same year, loans grew 13.0% and deposits grew 17.4%. Funding is the softer spot: it pays an average of 2.69% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
As of June 30, 2026, Iowa State Bank and Trust Company reported a CET1 capital ratio of 10.90%, a return on assets of 1.27%, a nonperforming-loan ratio of 0.10% and a Texas ratio of 0.80%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Iowa State Bank and Trust Company is the 91st largest of the 225 banks headquartered in Iowa. Between Q1 2026 and Q2 2026, its total assets rose 8.2% to $352.1M, loans rose 2.5% and deposits rose 11.1%. Its loan book on June 30, 2026 was led by farmland and other real estate loans, at 31.0% of total loans, followed by 1-4 family residential loans at 19.8%. The FDIC Summary of Deposits lists 3 offices for it, in Fairfield, IA, Ottumwa, IA and Centerville, IA; its Fairfield office books 75% of its branch deposits. On its Q2 2026 call report, Iowa State Bank and Trust Company meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 55 S 4th St, Fairfield, IA 52556
- County
- Jefferson
- 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
- May 19, 1934
- Former names
- Iowa State Bank and Trust Company of Fairfield, Iowa (1934)
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 33
- Domestic deposits
- $300.9M
- Allowance for credit losses
- $2.7M
- Net charge-offs (YTD)
- $34K
- Average total assets
- $345.6M
- Average total loans
- $250.0M
- Average interest-bearing deposits
- $246.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- May 25, 1934
- FDIC Cert
- 14413
- Fed RSSD
- 651541
- Website
- www.myiowastatebank.com →
- Parent Holding Company
- IOWA STATE FINANCIAL SERVICES CORPORATION (RSSD 2858399)
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 State Bank and Trust Company's total assets ran between $239.3M (Q3 2023) and $352.1M (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
$352.1M total assets against $302.7M; $324.5M total liabilities against $279.6M.
$250.7M net loans and leases against $222.1M; $300.9M total deposits against $256.4M.
$65.1M securities against $37.6M; $24.0M cash and balances due against $31.0M.
$5.1M total interest income against $4.2M; $2.1M total interest expense against $2.0M.
$2.9M net interest income against $2.3M.
$131K total noninterest income against $127K; $1.5M total noninterest expense against $1.5M.
$130K provision for credit losses against $120K.
$1.1M net income against $620K.
1.27% return on assets against 0.85%; 3.52% net interest margin against 3.21%.
10.90% CET1 capital ratio against 10.68%; 8.01% tier 1 leverage ratio against 8.00%.
Inside the full Iowa State Bank and Trust Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeIowa State Bank and Trust Company rankings
Its closest position to the top of a national ranking is 783 of 3,606, for efficiency ratio; its furthest is 1,979 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.69% (Q3 2024) to 1.27% (Q2 2026) and its net interest margin ran from 2.63% (Q3 2024) to 3.61% (Q1 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.90% | 1.27% | 0.10% | 0.80% | 3.52% |
| Q1 2026 | 10.80% | 1.20% | 0.10% | 0.84% | 3.61% |
| Q4 2025 | 11.00% | 1.24% | 0.10% | 0.81% | 3.57% |
| Q3 2025 | 11.07% | 1.04% | 0.03% | 1.11% | 3.31% |
| Q2 2025 | 10.68% | 0.85% | 0.07% | 0.64% | 3.21% |
| Q1 2025 | 10.49% | 0.90% | 0.05% | 0.65% | 3.17% |
| Q4 2024 | 10.55% | 0.71% | 0.04% | 0.34% | 3.10% |
| Q3 2024 | 10.81% | 0.69% | 0.04% | 0.32% | 2.63% |
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 and Trust Company of Fairfield, Iowa | Fairfield , IA | 52556 | $226.9M |
| Ottumwa Branch | Ottumwa , IA | 52501 | $54.2M |
| Centerville Branch | Centerville , IA | 52544 | $19.8M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in IA, rank 95 of 261 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $174K approved, $174K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (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 and Trust Company
What are Iowa State Bank and Trust Company's total assets?
As of the Q2 2026 filing, Iowa State Bank and Trust Company reported total assets of $352.1 million in its FFIEC call report.
Where is Iowa State Bank and Trust Company headquartered?
It is headquartered in Fairfield, IA, United States.
When was Iowa State Bank and Trust Company founded?
It was established in 1934, per the FDIC institution directory.
Is Iowa State Bank and Trust Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #14413). 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 and Trust Company?
Iowa State Bank and Trust Company's primary federal regulator is the Federal Reserve.
What is Iowa State Bank and Trust Company's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 10.90% in its Q2 2026 call report, above regulatory requirements.
How many branches does Iowa State Bank and Trust Company 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 and Trust Company's Texas Ratio?
Its Texas Ratio is 0.80% 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.
What was Iowa State Bank and Trust Company previously called?
The charter now named Iowa State Bank and Trust Company has also operated as Iowa State Bank and Trust Company of Fairfield, Iowa (1934), per FDIC structure-change records.
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