Iowa Trust & Savings Bank
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Data as of · sourced from FFIEC call reports. How we update
Iowa Trust & Savings Bank is an FDIC-insured commercial bank headquartered in Emmetsburg, IA, established in 1929 (FDIC certificate 18400), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $522.0M, down 1.2% from Q2 2025, the 60th largest of 225 banks headquartered in Iowa. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.82% 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
- 18400
- Headquarters
- Emmetsburg, IA
- Established
- 1929
- Total assets, Q2 2026
- $522.0M
- Assets vs Q2 2025
- -1.2%
- Tier 1 leverage ratio, Q2 2026
- 10.82%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 073921093
- Latest call report
- Q2 2026, FFIEC 051 · Iowa Trust & Savings Bank call report
- Holding company
- EMMETSBURG BANK SHARES, INC.
- Asset rank in state
- 60th of 225 in Iowa
Problem loans are rising at Iowa Trust & Savings Bank. The Emmetsburg, Iowa bank had $522 million in assets at June 30, 2026, down 1.2% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.79% of loans from 0.12% a year earlier. It holds commercial real estate loans worth 3.4 times its capital, about triple the median of 1.2 times for the 2,660 banks with $100 million to $1 billion in assets. It also shrank its loan book 2.2% over the year, lower than about three-quarters of banks its size (median 5.5%).
Earnings fell sharply: quarterly net income of $955,000 was 69% below a year earlier. Paper losses on its bond portfolio are shrinking: unrealized losses of $6.1 million equal 11% of Tier 1 capital, down from 18% a year earlier. Profitability lags: it returns 6.5% a year on shareholders' equity, about half the median of 12.5% for banks its size.
As of June 30, 2026, Iowa Trust & Savings Bank reported a return on assets of 0.74%, a nonperforming-loan ratio of 0.79% and a Texas ratio of 5.66%. The figures come from its call report filed with the FFIEC.
Iowa Trust & Savings Bank ranks as the 60th largest of the 225 banks based in Iowa, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 0.8% to $522.0M, loans rose 0.5% and deposits rose 1.0%. Its loan book on June 30, 2026 was led by non-owner-occupied commercial real estate loans, at 22.3% of total loans, followed by construction and land development loans at 18.4%. Its 4 offices in the FDIC Summary of Deposits are in 4 cities in IA; its Emmetsburg office books 56% of its branch deposits. Judged on its Q2 2026 call report, Iowa Trust & Savings Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 2101 10th St, Emmetsburg, IA 50536
- County
- Palo Alto
- 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
- July 1, 1929
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 52
- Domestic deposits
- $396.4M
- Allowance for credit losses
- $5.1M
- Net charge-offs (YTD)
- $612K
- Average total assets
- $518.2M
- Average total loans
- $364.0M
- Average interest-bearing deposits
- $327.2M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- June 7, 1961
- FDIC Cert
- 18400
- Fed RSSD
- 649342
- SEC CIK
- 1715943 → filed by EMMETSBURG BANK SHARES, INC.
- Website
- www.iowatrustbank.com →
- Parent Holding Company
- EMMETSBURG BANK SHARES, INC. (RSSD 1131901)
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 & 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 & Savings Bank's total assets ran between $488.3M (Q3 2023) and $555.9M (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
$522.0M total assets against $528.4M; $462.4M total liabilities against $472.0M.
$366.2M net loans and leases against $374.0M; $396.4M total deposits against $402.5M.
$97.3M securities against $80.5M; $25.8M cash and balances due against $39.5M.
$6.9M total interest income against $7.2M; $2.5M total interest expense against $3.1M.
$4.4M net interest income against $4.1M.
-$2K total noninterest income against $2.7M; $3.4M total noninterest expense against $3.6M.
$0 provision for credit losses against $0.
$955K net income against $3.0M.
0.74% return on assets against 2.25%; 3.66% net interest margin against 3.33%.
10.82% tier 1 leverage ratio against 10.22%.
Inside the full Iowa Trust & Savings 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.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Iowa Trust & Savings Bank rankings
Its closest position to the top of a national ranking is 1,188 of 3,640, for Texas Ratio; its furthest is 3,034 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.49% (Q3 2024) to 2.25% (Q2 2025) and its net interest margin ran from 3.06% (Q4 2024) to 3.66% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.82% | 0.74% | 0.79% | 5.66% | 3.66% |
| Q1 2026 | 10.84% | 0.77% | 0.33% | 2.40% | 3.54% |
| Q4 2025 | 10.65% | 1.05% | 0.43% | 2.85% | 3.49% |
| Q3 2025 | 10.66% | 0.65% | 0.33% | 5.64% | 3.40% |
| Q2 2025 | 10.22% | 2.25% | 0.12% | 4.56% | 3.33% |
| Q1 2025 | 9.82% | 0.78% | 0.50% | 7.21% | 3.22% |
| Q4 2024 | 9.53% | 0.82% | 0.90% | 6.84% | 3.06% |
| Q3 2024 | 9.74% | 0.49% | 0.99% | 7.23% | 3.14% |
Swipe the table sideways to see every column.
Branch Network
View all 4 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 & Savings Bank (main office) | Emmetsburg , IA | 50536 | $221.2M |
| Panora Branch | Panora , IA | 50216 | $79.8M |
| Clive Branch | Clive , IA | 50325 | $48.7M |
| Sac City Branch | Sac City , IA | 50583 | $46.7M |
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 |
|---|---|---|---|
| November 4, 2023 | Structure Change | Acquired Citizens Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| November 3, 2023 | Merger | Participated in FDIC Assisted Merger | FDIC |
| September 23, 2019 | Structure Change | Acquired Panora State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 23, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 6, 1998 | Structure Change | Acquired Cylinder State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 5, 1998 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 1, 1992 | Structure Change | Acquired Home Federal Savings and Loan Association, Federal Association 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 7 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in IA, rank 71 of 261 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 15 applications, 13 loans originated, $16.9M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $20K approved, $20K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2013 (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 Trust & Savings Bank
What are Iowa Trust & Savings Bank's total assets?
As of the Q2 2026 filing, Iowa Trust & Savings Bank reported total assets of $522.0 million in its FFIEC call report.
Where is Iowa Trust & Savings Bank headquartered?
It is headquartered in Emmetsburg, IA, United States.
When was Iowa Trust & Savings Bank founded?
It was established in 1929, per the FDIC institution directory.
Is Iowa Trust & Savings Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #18400). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Iowa Trust & Savings Bank?
Iowa Trust & Savings Bank's primary federal regulator is the FDIC.
How many branches does Iowa Trust & Savings Bank operate?
It operates 4 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 & Savings Bank's Texas Ratio?
Its Texas Ratio is 5.66% 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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