Ohnward Bank & Trust
Asset quality shifted last quarter — NPLs fell to 1.31% from 2.01% in the prior period. Ohnward Bank & Trust is an FDIC-insured commercial bank. As of Q1 2026, the bank held approximately $489M in total assets and $409M in deposits. Profitability is strong — 1.37% ROA, paired with 11.32% ROE and a 3.94% net interest margin. Under the simplified Community Bank Leverage Ratio framework, leverage of 12.65% exceeds the 9% CBLR threshold. Asset quality is solid — 1.31% nonperforming loans and a 8.04% Texas Ratio. It operates 6 branches, primarily in Iowa.
Headquarters Profile
- Address
- 332 1st Ave W, CASCADE, IA 52033
- County
- Dubuque
- Metro Area
- DUBUQUE, IA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- Fed District
- 11
- Established
- February 28, 1903
- Branches
- 6 domestic
- Employees (FTE)
- 61
- FDIC Cert
- 10111
- Fed RSSD
- 761543
- Website
- www.ohnwardbank.bank →
- Parent Holding Company
- OHNWARD BANCSHARES, INC. (RSSD 1200311)
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Ohnward Bank & Trust rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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.
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
- FailureFailure / assisted resolutionFDIC FAILURES
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
Sourced from unified bank events (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 5 events.
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Frequently asked about Ohnward Bank & Trust
What are Ohnward Bank & Trust's total assets?
As of the Q1 2026 filing, Ohnward Bank & Trust reported total assets of $489.2 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Ohnward Bank & Trust headquartered?
Ohnward Bank & Trust is headquartered in CASCADE, IA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Ohnward Bank & Trust founded?
Ohnward Bank & Trust was established in 1903, per the FDIC institution directory.
Is Ohnward Bank & Trust FDIC-insured?
Yes. Ohnward Bank & Trust is an FDIC-insured commercial bank (FDIC Certificate #10111). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Ohnward Bank & Trust?
Ohnward Bank & Trust's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does Ohnward Bank & Trust operate?
Ohnward Bank & Trust operates 6 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Ohnward Bank & Trust's Texas Ratio?
Ohnward Bank & Trust's Texas Ratio is 8.04% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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