Keystone Savings Bank
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Data as of · sourced from FFIEC call reports. How we update
Keystone Savings Bank is an FDIC-insured commercial bank headquartered in Keystone, IA, established in 1935 (FDIC certificate 17993), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $200.8M, up 3.3% from Q2 2025, the 142nd largest of 225 banks headquartered in Iowa. Its CET1 capital ratio was 15.37% 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
- 17993
- Headquarters
- Keystone, IA
- Established
- 1935
- Total assets, Q2 2026
- $200.8M
- Assets vs Q2 2025
- +3.3%
- CET1 ratio, Q2 2026
- 15.37%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 073921682
- Latest call report
- Q2 2026, FFIEC 051 · Keystone Savings Bank call report
- Holding company
- KEYSTONE COMMUNITY BANCORPORATION
- Asset rank in state
- 142nd of 225 in Iowa
Keystone Savings Bank spends more to run itself than most banks of its size. Its balance sheet stood at $201 million at June 30, 2026, up 3.3% from a year earlier; it is based in Keystone, Iowa. It earns about $0.66 a year on every $100 of assets, about half the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 73 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
Loans are outrunning deposits: over the year loans rose 7.7% and deposits rose 2.7%. Its $24 million commercial and industrial book is improving, with 7.53% past due or on nonaccrual, down from 8.19% a year earlier. Credit is the area to watch: it carries problem assets equal to 8.3% of the capital and reserves that would absorb them, about triple the median of 2.6% for banks its size.
As of June 30, 2026, Keystone Savings Bank reported a CET1 capital ratio of 15.37%, a return on assets of 0.66%, a nonperforming-loan ratio of 1.44% and a Texas ratio of 8.29%. The figures come from its call report filed with the FFIEC.
Keystone Savings Bank ranks as the 142nd largest of the 225 banks based in Iowa, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 4.4% to $200.8M, loans rose 4.3% and deposits fell 5.1%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 29.0% of total loans, ahead of 1-4 family residential loans at 20.7%. The FDIC Summary of Deposits lists 5 offices for it, in 5 cities in IA; its Keystone office books 28% of its branch deposits. Judged on its Q2 2026 call report, Keystone Savings Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 330 Western Avenue, Keystone, IA 52301
- County
- Iowa
- Metro Area
- Cedar Rapids, IA
- 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
- April 27, 1935
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 30
- Domestic deposits
- $168.7M
- Allowance for credit losses
- $1.6M
- Net charge-offs (YTD)
- $15K
- Average total assets
- $204.3M
- Average total loans
- $118.4M
- Average interest-bearing deposits
- $145.0M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- April 30, 1959
- FDIC Cert
- 17993
- Fed RSSD
- 931944
- SEC CIK
- 1554962 → filed by KEYSTONE COMMUNITY BANCORPORATION
- Website
- www.keystonesavings.bank →
- Parent Holding Company
- KEYSTONE COMMUNITY BANCORPORATION (RSSD 1131367)
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, Keystone Savings Bank's total assets ran between $175.5M (Q4 2023) and $210.0M (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
$200.8M total assets against $194.4M; $179.9M total liabilities against $175.4M.
$124.4M net loans and leases against $115.5M; $168.7M total deposits against $164.2M.
$63.9M securities against $60.1M; $5.8M cash and balances due against $11.9M.
$2.5M total interest income against $2.4M; $853K total interest expense against $822K.
$1.7M net interest income against $1.6M.
$105K total noninterest income against $103K; $1.4M total noninterest expense against $1.3M.
$15K provision for credit losses against $0.
$337K net income against $318K.
0.66% return on assets against 0.66%; 3.45% net interest margin against 3.33%.
15.37% CET1 capital ratio against 15.93%; 11.29% tier 1 leverage ratio against 11.50%.
Inside the full Keystone Savings Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeKeystone Savings Bank rankings
Its closest position to the top of a national ranking is 798 of 3,640, for Texas Ratio; its furthest is 3,073 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.34% (Q1 2026) to 0.92% (Q1 2025) and its net interest margin ran from 3.31% (Q4 2025) to 3.52% (Q1 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.37% | 0.66% | 1.44% | 8.29% | 3.45% |
| Q1 2026 | 15.88% | 0.34% | 1.49% | 8.18% | 3.49% |
| Q4 2025 | 15.88% | 0.38% | 1.56% | 8.56% | 3.31% |
| Q3 2025 | 15.75% | 0.85% | 1.54% | 8.41% | 3.44% |
| Q2 2025 | 15.93% | 0.66% | 1.55% | 9.30% | 3.33% |
| Q1 2025 | 16.41% | 0.92% | 1.62% | 9.26% | 3.52% |
| Q4 2024 | 16.56% | 0.67% | 2.89% | 16.83% | 3.35% |
| Q3 2024 | 15.91% | 0.82% | 2.85% | 16.22% | 3.34% |
Swipe the table sideways to see every column.
Branch Network
View all 5 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 |
|---|---|---|---|
| Keystone Branch | Keystone , IA | 52249 | $46.9M |
| Keystone Savings Bank (main office) | Marengo , IA | 52301 | $40.8M |
| Victor Branch | Victor , IA | 52347 | $38.0M |
| Center Point Branch | Center Point , IA | 52213 | $24.7M |
| Pleasant Hill Branch | Pleasant Hill , IA | 50327 | $18.2M |
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 6, 2018 | Structure Change | Acquired Farmers Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 5, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
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
- 0.1% of deposits in IA, rank 158 of 261 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 49 applications, 45 loans originated, $5.0M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $2.9M approved, $1.4M 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, 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 Keystone Savings Bank
What are Keystone Savings Bank's total assets?
As of the Q2 2026 filing, Keystone Savings Bank reported total assets of $200.8 million in its FFIEC call report.
Where is Keystone Savings Bank headquartered?
It is headquartered in Keystone, IA, United States.
When was Keystone Savings Bank founded?
It was established in 1935, per the FDIC institution directory.
Is Keystone Savings Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #17993). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Keystone Savings Bank?
Keystone Savings Bank's primary federal regulator is the FDIC.
What is Keystone Savings Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 15.37% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Keystone Savings Bank operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Keystone Savings Bank's Texas Ratio?
Its Texas Ratio is 8.29% 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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