Iowa Trust and Savings Bank
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Data as of · sourced from FFIEC call reports. How we update
Iowa Trust and Savings Bank is an FDIC-insured commercial bank headquartered in Centerville, IA, established in 1896 (FDIC certificate 1547), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $210.6M, up 6.1% from Q2 2025, the 137th largest of 225 banks headquartered in Iowa. It reports no CET1 ratio; its Tier 1 leverage ratio was 13.46% 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
- 1547
- Headquarters
- Centerville, IA
- Established
- 1896
- Total assets, Q2 2026
- $210.6M
- Assets vs Q2 2025
- +6.1%
- Tier 1 leverage ratio, Q2 2026
- 13.46%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 073901411
- Latest call report
- Q2 2026, FFIEC 051 · Iowa Trust and Savings Bank call report
- Holding company
- BRADLEY BANCORP, INC.
- Asset rank in state
- 137th of 225 in Iowa
Iowa Trust and Savings Bank, based in Centerville, Iowa, reported $211 million in assets at June 30, 2026, up 6.1% from a year earlier. It holds commercial real estate loans equal to only 10% of its capital, a small fraction of the median of 1.2 times for the 2,627 banks with $100 million to $1 billion in assets. It also carries problem assets equal to 0.1% of the capital and reserves that would absorb them, a small fraction of the median of 2.7% for banks its size.
Paper losses on its bond portfolio are shrinking: unrealized losses of $6.9 million equal 24% of Tier 1 capital, down from 33% a year earlier.
As of June 30, 2026, Iowa Trust and Savings Bank reported a return on assets of 1.66%, a nonperforming-loan ratio of 0.01% and a Texas ratio of 0.05%. The figures come from its call report filed with the FFIEC.
Of the 225 banks headquartered in Iowa, Iowa Trust and Savings Bank is the 137th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.4% to $210.6M, loans fell 0.1% and deposits fell 4.0%. The largest part of its loan book on June 30, 2026 was farmland and other real estate loans, at 44.2% of total loans, ahead of agricultural production loans at 17.6%. The FDIC Summary of Deposits lists 2 offices for it, in Centerville, IA and Moravia, IA; its Centerville office books 83% of its branch deposits. Judged on its Q2 2026 call report, Iowa Trust and Savings Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 200 N 10th St, Centerville, IA 52544
- County
- Appanoose
- 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
- January 1, 1896
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 26
- Domestic deposits
- $142.1M
- Allowance for credit losses
- $1.4M
- Net charge-offs (YTD)
- $24K
- Average total assets
- $215.0M
- Average total loans
- $90.4M
- Average interest-bearing deposits
- $109.3M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 1547
- Fed RSSD
- 202541
- Website
- www.iowatrust.bank →
- Parent Holding Company
- BRADLEY BANCORP, INC. (RSSD 1202119)
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 Trust and Savings 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 Trust and Savings Bank's total assets ran between $194.8M (Q3 2025) and $215.9M (Q1 2024), 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
$210.6M total assets against $198.5M; $188.3M total liabilities against $179.2M.
$90.5M net loans and leases against $91.9M; $142.1M total deposits against $143.0M.
$80.6M securities against $83.5M; $35.2M cash and balances due against $18.3M.
$2.6M total interest income against $2.6M; $656K total interest expense against $629K.
$1.9M net interest income against $1.9M.
$136K total noninterest income against $143K; $1.1M total noninterest expense against $1.1M.
$10K provision for credit losses against $0.
$891K net income against $944K.
1.66% return on assets against 1.75%; 3.68% net interest margin against 3.76%.
13.46% tier 1 leverage ratio against 13.16%.
Inside the full Iowa Trust and Savings Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeIowa Trust and Savings Bank rankings
Its closest position to the top of a national ranking is 978 of 3,611, for ROA; its furthest is 3,284 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.54% (Q4 2025) to 1.75% (Q3 2025) and its net interest margin ran from 3.56% (Q3 2024) to 3.77% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.46% | 1.66% | 0.01% | 0.05% | 3.68% |
| Q1 2026 | 13.86% | 1.62% | 0.04% | 0.14% | 3.59% |
| Q4 2025 | 13.84% | 0.54% | 0.01% | 0.06% | 3.71% |
| Q3 2025 | 14.36% | 1.75% | 0.00% | 0.00% | 3.77% |
| Q2 2025 | 13.16% | 1.75% | 0.00% | 0.00% | 3.76% |
| Q1 2025 | 13.15% | 1.64% | 0.00% | 0.00% | 3.56% |
| Q4 2024 | 12.70% | 1.62% | 0.00% | 0.00% | 3.61% |
| Q3 2024 | 12.73% | 1.66% | 0.12% | 0.57% | 3.56% |
Swipe the table sideways to see every column.
Branch Network
View all 2 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 Trust and Savings Bank (main office) | Centerville , IA | 52544 | $117.5M |
| Iowa Trust and Savings Bank - Moravia Branch | Moravia , IA | 52571 | $24.5M |
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 |
|---|---|---|---|
| July 1, 1965 | Structure Change | Acquired First National Bank of Centerville 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 1 event.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in IA, rank 171 of 261 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 3 loans, $585K approved, $195K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2022 (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 Trust and Savings Bank
What are Iowa Trust and Savings Bank's total assets?
As of the Q2 2026 filing, Iowa Trust and Savings Bank reported total assets of $210.6 million in its FFIEC call report.
Where is Iowa Trust and Savings Bank headquartered?
It is headquartered in Centerville, IA, United States.
When was Iowa Trust and Savings Bank founded?
It was established in 1896, per the FDIC institution directory.
Is Iowa Trust and Savings Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #1547). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Iowa Trust and Savings Bank?
Iowa Trust and Savings Bank's primary federal regulator is the FDIC.
How many branches does Iowa Trust and Savings Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Iowa Trust and Savings Bank's Texas Ratio?
Its Texas Ratio is 0.05% 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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