Raccoon Valley Bank
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Data as of · sourced from FFIEC call reports. How we update
Raccoon Valley Bank is an FDIC-insured commercial bank headquartered in Perry, IA, established in 1927 (FDIC certificate 245), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $486.0M, up 7.0% from Q2 2025, the 65th largest of 225 banks headquartered in Iowa. Its CET1 capital ratio was 11.47% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 245
- Headquarters
- Perry, IA
- Established
- 1927
- Total assets, Q2 2026
- $486.0M
- Assets vs Q2 2025
- +7.0%
- CET1 ratio, Q2 2026
- 11.47%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 073920887
- Latest call report
- Q2 2026, FFIEC 051 · Raccoon Valley Bank call report
- Holding company
- GREENE INVESTMENT CO.
- Asset rank in state
- 65th of 225 in Iowa
Raccoon Valley Bank leans heavily on commercial real estate. Based in Perry, Iowa, it had $486 million in assets at June 30, 2026, up 7.0% from 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 holds common equity equal to 11.47% of its risk-weighted assets, lower than about three-quarters of banks its size (median 15.12%).
Earnings jumped: net income for the quarter was $2.0 million, 61% above the same quarter a year earlier. Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 0.74% of loans, down from 1.22% a year earlier. One more trend to watch: loans are outrunning deposits: over the year loans rose 12.3% and deposits rose 5.2%.
As of June 30, 2026, Raccoon Valley Bank reported a CET1 capital ratio of 11.47%, a return on assets of 1.66%, a nonperforming-loan ratio of 0.74% and a Texas ratio of 5.47%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Raccoon Valley Bank is the 65th largest of the 225 banks headquartered in Iowa. Between Q1 2026 and Q2 2026, its total assets fell 0.8% to $486.0M, loans rose 1.4% and deposits fell 1.2%. The largest part of its loan book on June 30, 2026 was construction and land development loans, at 20.1% of total loans, ahead of 1-4 family residential loans at 17.7%. The FDIC Summary of Deposits lists 4 offices for it, in 4 cities in IA; its Perry office books 56% of its branch deposits. Judged on its Q2 2026 call report, Raccoon Valley Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1202 2nd St, Perry, IA 50220
- County
- Dallas
- Metro Area
- Des Moines-West Des Moines, 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
- January 1, 1927
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 52
- Domestic deposits
- $430.2M
- Allowance for credit losses
- $5.7M
- Net charge-offs (YTD)
- -$505K
- Average total assets
- $488.3M
- Average total loans
- $377.0M
- Average interest-bearing deposits
- $362.3M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 245
- Fed RSSD
- 102342
- Website
- WWW.RACCOONVALLEYBANK.COM →
- Parent Holding Company
- GREENE INVESTMENT CO. (RSSD 1205905)
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
Raccoon Valley Bank's total assets moved between a low of $441.4M (Q3 2023) and a high of $489.9M (Q1 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
$486.0M total assets against $454.2M; $439.9M total liabilities against $412.4M.
$376.7M net loans and leases against $336.0M; $430.2M total deposits against $408.9M.
$73.7M securities against $74.1M; $19.4M cash and balances due against $28.2M.
$7.0M total interest income against $6.5M; $2.4M total interest expense against $2.5M.
$4.7M net interest income against $4.0M.
$291K total noninterest income against -$84K; $2.8M total noninterest expense against $2.6M.
$150K provision for credit losses against $75K.
$2.0M net income against $1.3M.
1.66% return on assets against 1.08%; 3.94% net interest margin against 3.58%.
11.47% CET1 capital ratio against 11.91%; 9.57% tier 1 leverage ratio against 9.30%.
Inside the full Raccoon Valley 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).
Raccoon Valley Bank rankings
Its closest position to the top of a national ranking is 971 of 3,611, for ROA; its furthest is 1,851 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.17% (Q4 2025) to 1.66% (Q2 2026) and its net interest margin ran from 2.92% (Q3 2024) to 3.94% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.47% | 1.66% | 0.74% | 5.47% | 3.94% |
| Q1 2026 | 11.17% | 1.57% | 0.73% | 6.87% | 3.85% |
| Q4 2025 | 10.91% | 0.17% | 0.47% | 4.66% | 3.74% |
| Q3 2025 | 11.17% | 1.15% | 0.83% | 7.32% | 3.87% |
| Q2 2025 | 11.91% | 1.08% | 1.22% | 9.02% | 3.58% |
| Q1 2025 | 11.87% | 0.90% | 1.26% | 12.05% | 3.10% |
| Q4 2024 | 11.73% | 0.59% | 1.23% | 12.14% | 3.13% |
| Q3 2024 | 11.13% | 0.74% | 1.84% | 14.33% | 2.92% |
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 |
|---|---|---|---|
| Raccoon Valley Bank (main office) | Perry , IA | 50220 | $241.6M |
| Adel Branch | Adel , IA | 50003 | $80.0M |
| Dallas Center Branch | Dallas Center , IA | 50063 | $58.5M |
| Grimes Branch | Grimes , IA | 50111 | $50.0M |
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 27, 2003 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 27, 2003 | Structure Change | Acquired Raccoon Valley State 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 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in IA, rank 66 of 261 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 148 applications, 125 loans originated, $44.4M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 3 loans, $2.4M approved, $808K 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, 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 Raccoon Valley Bank
What are Raccoon Valley Bank's total assets?
As of the Q2 2026 filing, Raccoon Valley Bank reported total assets of $486.0 million in its FFIEC call report.
Where is Raccoon Valley Bank headquartered?
It is headquartered in Perry, IA, United States.
When was Raccoon Valley Bank founded?
It was established in 1927, per the FDIC institution directory.
Is Raccoon Valley Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #245). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Raccoon Valley Bank?
Raccoon Valley Bank's primary federal regulator is the FDIC.
What is Raccoon Valley Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.47% in its Q2 2026 call report, above regulatory requirements.
How many branches does Raccoon Valley 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 Raccoon Valley Bank's Texas Ratio?
Its Texas Ratio is 5.47% 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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