Ohnward Bank & Trust
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Data as of · sourced from FFIEC call reports. How we update
Ohnward Bank & Trust is an FDIC-insured commercial bank headquartered in Cascade, IA, established in 1903 (FDIC certificate 10111), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $499.1M, up 8.6% from Q2 2025, the 61st largest of 225 banks headquartered in Iowa. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.58% 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
- 10111
- Headquarters
- Cascade, IA
- Established
- 1903
- Total assets, Q2 2026
- $499.1M
- Assets vs Q2 2025
- +8.6%
- Tier 1 leverage ratio, Q2 2026
- 12.58%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 073911870
- Latest call report
- Q2 2026, FFIEC 051 · Ohnward Bank & Trust call report
- Holding company
- OHNWARD BANCSHARES, INC.
- Asset rank in state
- 61st of 225 in Iowa
Little in Ohnward Bank & Trust's latest call report stands out. Based in Cascade, Iowa, it had $499 million in assets at June 30, 2026, up 8.6% from a year earlier. On most measures it sits near the middle of the 2,660 banks with $100 million to $1 billion in assets.
Net income for the quarter rose 27% from a year earlier, to $1.7 million. Its $59 million non-owner-occupied commercial real estate book is improving, with 2.27% past due or on nonaccrual, down from 3.52% a year earlier. Funding is the softer spot: it pays an average of 2.25% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
As of June 30, 2026, Ohnward Bank & Trust reported a return on assets of 1.39%, a nonperforming-loan ratio of 0.60% and a Texas ratio of 3.71%. The figures come from its call report filed with the FFIEC.
Ohnward Bank & Trust ranks as the 61st largest of the 225 banks based in Iowa, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 2.0% to $499.1M, loans rose 3.0% and deposits rose 2.2%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 25.3% of total loans, ahead of agricultural production loans at 15.9%. Its 6 offices in the FDIC Summary of Deposits are in 6 cities in IA; its Monticello office books 37% of its branch deposits. By the capital ratios in its Q2 2026 call report, Ohnward Bank & Trust meets the community bank leverage ratio test for well capitalized.
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
- 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
- February 28, 1903
- Former names
- Tri-County Bank & Trust Co. (1994-2009)
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 62
- Domestic deposits
- $417.6M
- Allowance for credit losses
- $4.3M
- Net charge-offs (YTD)
- $26K
- Average total assets
- $499.2M
- Average total loans
- $386.5M
- Average interest-bearing deposits
- $358.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 10111
- Fed RSSD
- 761543
- Website
- www.ohnwardbank.bank →
- Parent Holding Company
- OHNWARD BANCSHARES, INC. (RSSD 1200311)
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, Ohnward Bank & Trust reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Ohnward Bank & Trust's total assets moved between a low of $395.9M (Q3 2023) and a high of $499.1M (Q2 2026) from Q3 2023 to Q2 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
$499.1M total assets against $459.5M; $438.5M total liabilities against $405.2M.
$388.1M net loans and leases against $346.7M; $417.6M total deposits against $380.4M.
$81.8M securities against $81.8M; $6.0M cash and balances due against $9.8M.
$7.2M total interest income against $6.5M; $2.4M total interest expense against $2.4M.
$4.8M net interest income against $4.1M.
$521K total noninterest income against $345K; $2.9M total noninterest expense against $2.5M.
$190K provision for credit losses against $110K.
$1.7M net income against $1.4M.
1.39% return on assets against 1.22%; 4.02% net interest margin against 3.81%.
12.58% tier 1 leverage ratio against 12.73%.
Inside the full Ohnward Bank & Trust terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeOhnward Bank & Trust rankings
Its closest position to the top of a national ranking is 1,152 of 3,606, for efficiency ratio; its furthest is 1,651 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.08% (Q1 2025) to 1.39% (Q2 2026) and its net interest margin ran from 3.43% (Q3 2024) to 4.02% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.58% | 1.39% | 0.60% | 3.71% | 4.02% |
| Q1 2026 | 12.65% | 1.37% | 0.64% | 3.92% | 3.94% |
| Q4 2025 | 12.42% | 1.36% | 0.58% | 3.52% | 3.91% |
| Q3 2025 | 12.67% | 1.27% | 0.58% | 3.50% | 3.91% |
| Q2 2025 | 12.73% | 1.22% | 0.80% | 4.97% | 3.81% |
| Q1 2025 | 12.72% | 1.08% | 0.66% | 4.16% | 3.58% |
| Q4 2024 | 12.43% | 1.13% | 0.59% | 3.77% | 3.57% |
| Q3 2024 | 12.74% | 1.08% | 0.00% | 0.02% | 3.43% |
Swipe the table sideways to see every column.
Branch Network
View all 6 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 |
|---|---|---|---|
| Monticello Branch | Monticello , IA | 52310 | $153.9M |
| Marion Branch | Marion , IA | 52302 | $105.7M |
| Ohnward Bank & Trust (main office) | Cascade , IA | 52033 | $81.4M |
| Baldwin Branch | Baldwin , IA | 52207 | $35.3M |
| Cedar Rapids Branch | Cedar Rapids , IA | 52404 | $21.2M |
| Central City Branch | Central City , IA | 52214 | $20.1M |
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 24, 2009 | Structure Change | Acquired United Security Savings Bank, FSB Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 23, 2009 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 23, 2003 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 23, 2003 | Structure Change | Acquired First Iowa Bank 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 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in IA, rank 68 of 261 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $699K approved, $350K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (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 Ohnward Bank & Trust
What are Ohnward Bank & Trust's total assets?
As of the Q2 2026 filing, Ohnward Bank & Trust reported total assets of $499.1 million in its FFIEC call report.
Where is Ohnward Bank & Trust headquartered?
It is headquartered in Cascade, IA, United States.
When was Ohnward Bank & Trust founded?
It was established in 1903, per the FDIC institution directory.
Is Ohnward Bank & Trust FDIC-insured?
Yes. It 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.
How many branches does Ohnward Bank & Trust operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Ohnward Bank & Trust's Texas Ratio?
Its Texas Ratio is 3.71% 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.
What was Ohnward Bank & Trust previously called?
The charter now named Ohnward Bank & Trust has also operated as Tri-County Bank & Trust Co. (1994-2009), per FDIC structure-change records.
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