Iowa State Savings Bank
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Data as of · sourced from FFIEC call reports. How we update
Iowa State Savings Bank is an FDIC-insured commercial bank headquartered in Creston, IA, established in 1883 (FDIC certificate 8751), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $276.5M, down 2.7% from Q2 2025, the 114th largest of 225 banks headquartered in Iowa. Its CET1 capital ratio was 15.24% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 8751
- Headquarters
- Creston, IA
- Established
- 1883
- Total assets, Q2 2026
- $276.5M
- Assets vs Q2 2025
- -2.7%
- CET1 ratio, Q2 2026
- 15.24%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 073901495
- Latest call report
- Q2 2026, FFIEC 041 · Iowa State Savings Bank call report
- Holding company
- AMES NATIONAL CORPORATION
- Asset rank in state
- 114th of 225 in Iowa
Iowa State Savings Bank, based in Creston, Iowa, reported $277 million in assets at June 30, 2026, down 2.7% from a year earlier. It holds commercial real estate loans equal to only 35% of its capital, about a third the median of 1.2 times for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it funds 9.40% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
Net income for the quarter rose 17% from a year earlier, to $935,000. Over the same year, loans grew 5.8% and deposits shrank 0.7%.
As of June 30, 2026, Iowa State Savings Bank reported a CET1 capital ratio of 15.24%, a return on assets of 1.31%, a nonperforming-loan ratio of 0.20% and a Texas ratio of 1.24%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Iowa State Savings Bank is the 114th largest of the 225 banks headquartered in Iowa. Between Q1 2026 and Q2 2026, its total assets fell 3.7% to $276.5M, loans rose 2.0% and deposits fell 3.6%. Farmland and other real estate loans made up 34.6% of its total loans on June 30, 2026, its largest category; next came agricultural production loans at 24.1%. The FDIC Summary of Deposits lists 3 offices for it, in Creston, IA and Lenox, IA; its Creston 2 offices book 75% of its branch deposits. On its Q2 2026 call report, Iowa State Savings Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 401 W Adams St, Creston, IA 50801
- County
- Union
- 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 041
- Established
- January 1, 1883
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 33
- Domestic deposits
- $246.2M
- Allowance for credit losses
- $2.5M
- Net charge-offs (YTD)
- $5K
- Average total assets
- $285.9M
- Average total loans
- $161.8M
- Average interest-bearing deposits
- $221.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 8751
- Fed RSSD
- 869346
- SEC CIK
- 1132651 → filed by AMES NATIONAL CORPORATION
- Website
- www.issbbank.com →
- Parent Holding Company
- AMES NATIONAL CORPORATION (RSSD 1202258) · ATLO
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 Savings Bank's total assets ran between $250.2M (Q3 2023) and $287.1M (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
$276.5M total assets against $284.3M; $249.2M total liabilities against $258.1M.
$161.7M net loans and leases against $153.2M; $246.2M total deposits against $247.9M.
$91.5M securities against $74.0M; $14.1M cash and balances due against $48.1M.
$3.4M total interest income against $3.2M; $822K total interest expense against $1.0M.
$2.6M net interest income against $2.2M.
$210K total noninterest income against $223K; $1.5M total noninterest expense against $1.4M.
$33K provision for credit losses against -$51K.
$935K net income against $797K.
1.31% return on assets against 1.12%; 3.73% net interest margin against 3.19%.
15.24% CET1 capital ratio against 15.31%; 9.40% tier 1 leverage ratio against 9.09%.
Inside the full Iowa State Savings Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeIowa State Savings Bank rankings
Its closest position to the top of a national ranking is 1,081 of 3,606, for efficiency ratio; its furthest is 2,577 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.64% (Q4 2024) to 1.46% (Q1 2026) and its net interest margin ran from 3.03% (Q1 2025) to 3.73% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.24% | 1.31% | 0.20% | 1.24% | 3.73% |
| Q1 2026 | 15.32% | 1.46% | 0.21% | 1.26% | 3.52% |
| Q4 2025 | 14.56% | 0.94% | 0.21% | 1.29% | 3.50% |
| Q3 2025 | 15.39% | 0.88% | 0.44% | 2.68% | 3.24% |
| Q2 2025 | 15.31% | 1.12% | 0.01% | 0.04% | 3.19% |
| Q1 2025 | 14.64% | 1.15% | 0.01% | 0.05% | 3.03% |
| Q4 2024 | 13.87% | 0.64% | 0.01% | 0.06% | 3.14% |
| Q3 2024 | 14.40% | 0.73% | 0.01% | 0.07% | 3.17% |
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 Savings Bank (main office) | Creston , IA | 50801 | $183.6M |
| Lenox Branch | Lenox , IA | 50851 | $62.6M |
| Iowa State Savings Bank - Southern Branch | Creston , IA | 50801 | $0 |
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 |
|---|---|---|---|
| October 15, 1974 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 15, 1974 | Structure Change | Acquired Cromwell State 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
- 0.2% of deposits in IA, rank 116 of 261 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $4.3M approved, $4.3M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2020 (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 Savings Bank
What are Iowa State Savings Bank's total assets?
As of the Q2 2026 filing, Iowa State Savings Bank reported total assets of $276.5 million in its FFIEC call report.
Where is Iowa State Savings Bank headquartered?
It is headquartered in Creston, IA, United States.
When was Iowa State Savings Bank founded?
It was established in 1883, per the FDIC institution directory.
Is Iowa State Savings Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #8751). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Iowa State Savings Bank?
Iowa State Savings Bank's primary federal regulator is the FDIC.
What is Iowa State Savings Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 15.24% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Iowa State Savings 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 Savings Bank's Texas Ratio?
Its Texas Ratio is 1.24% 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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