Pocahontas State Bank
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Data as of · sourced from FFIEC call reports. How we update
Pocahontas State Bank is an FDIC-insured commercial bank headquartered in Pocahontas, IA, established in 1926 (FDIC certificate 234), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $122.6M, up 6.9% from Q2 2025, the 181st largest of 225 banks headquartered in Iowa. It reports no CET1 ratio; its Tier 1 leverage ratio was 26.35% 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
- 234
- Headquarters
- Pocahontas, IA
- Established
- 1926
- Total assets, Q2 2026
- $122.6M
- Assets vs Q2 2025
- +6.9%
- Tier 1 leverage ratio, Q2 2026
- 26.35%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 073920683
- Holding company
- DENTEL BANCORPORATION
- Asset rank in state
- 181st of 225 in Iowa
Problem loans are rising at Pocahontas State Bank. Its balance sheet stood at $123 million at June 30, 2026, up 6.9% from a year earlier; it is based in Pocahontas, Iowa. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.93% of loans from 0.00% a year earlier. It loses about $0.89 a year on every $100 of assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median $1.28). On the other hand, it spends about 30 cents to bring in each dollar of revenue, about half the median of 61 cents for banks its size.
It lost $276,000 in the quarter. Over the same year, loans grew 22.1% and deposits grew 1.2%. Its margin is thin by comparison: it keeps 1.93 cents of net interest income on every dollar of earning assets, about half the median of 3.95 cents for banks its size.
As of June 30, 2026, Pocahontas State Bank reported a return on assets of -0.89%, a nonperforming-loan ratio of 1.93% and a Texas ratio of 2.65%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Pocahontas State Bank is the 181st largest of the 225 banks headquartered in Iowa. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 3.8% to $122.6M, loans rose 4.2% and deposits fell 10.4%. The largest part of its loan book on June 30, 2026 was agricultural production loans, at 33.9% of total loans, ahead of 1-4 family residential loans at 23.4%. Its 2 offices in the FDIC Summary of Deposits are in Pocahontas, IA. On its Q2 2026 call report, Pocahontas State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 233 N Main St, Pocahontas, IA 50574
- County
- Pocahontas
- 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
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- July 1, 1926
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 8
- Domestic deposits
- $83.1M
- Allowance for credit losses
- $966K
- Net charge-offs (YTD)
- $37K
- Average total assets
- $123.8M
- Average total loans
- $42.9M
- Average interest-bearing deposits
- $69.5M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 234
- Fed RSSD
- 402846
- Website
- www.pocahontasstatebank.net →
- Parent Holding Company
- DENTEL BANCORPORATION (RSSD 1133615)
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, Pocahontas State 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, Pocahontas State Bank's total assets ran between $111.1M (Q4 2023) and $127.4M (Q1 2026), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$122.6M total assets against $114.7M; $88.5M total liabilities against $83.0M.
$43.7M net loans and leases against $36.4M; $83.1M total deposits against $82.0M.
$73.1M securities against $72.3M; $1.4M cash and balances due against $1.4M.
$1.1M total interest income against $1.2M; $448K total interest expense against $457K.
$640K net interest income against $732K.
$32K total noninterest income against $16K; $238K total noninterest expense against $264K.
$700K provision for credit losses against $0.
-$276K net income against $460K.
-0.89% return on assets against 1.57%; 1.93% net interest margin against 3.10%.
26.35% tier 1 leverage ratio against 26.87%.
Inside the full Pocahontas State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freePocahontas State Bank rankings
Its closest position to the top of a national ranking is 47 of 3,606, for efficiency ratio; its furthest is 3,569 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.89% (Q2 2026) to 1.90% (Q1 2026) and its net interest margin ran from 1.93% (Q2 2026) to 3.51% (Q1 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 26.35% | -0.89% | 1.93% | 2.65% | 1.93% |
| Q1 2026 | 26.72% | 1.90% | 0.05% | 0.07% | 3.51% |
| Q4 2025 | 26.63% | 1.61% | 0.06% | 0.07% | 3.29% |
| Q3 2025 | 27.03% | 1.72% | 0.00% | 0.00% | 3.24% |
| Q2 2025 | 26.87% | 1.57% | 0.00% | 0.00% | 3.10% |
| Q1 2025 | 25.78% | 1.56% | 0.00% | 0.00% | 2.98% |
| Q4 2024 | 24.97% | 1.25% | 0.55% | 0.71% | 2.65% |
| Q3 2024 | 26.62% | 1.36% | 0.56% | 0.71% | 2.72% |
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 |
|---|---|---|---|
| Pocahontas State Bank (main office) | Pocahontas , IA | 50574 | $83.1M |
| 11 West Elm Branch | Pocahontas , IA | 50574 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IA, rank 217 of 261 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $39K approved, $39K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2000 (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 Pocahontas State Bank
What are Pocahontas State Bank's total assets?
As of the Q2 2026 filing, Pocahontas State Bank reported total assets of $122.6 million in its FFIEC call report.
Where is Pocahontas State Bank headquartered?
It is headquartered in Pocahontas, IA, United States.
When was Pocahontas State Bank founded?
It was established in 1926, per the FDIC institution directory.
Is Pocahontas State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #234). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Pocahontas State Bank?
Pocahontas State Bank's primary federal regulator is the FDIC.
How many branches does Pocahontas State 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 Pocahontas State Bank's Texas Ratio?
Its Texas Ratio is 2.65% 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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