The Readlyn Savings Bank
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Data as of · sourced from FFIEC call reports. How we update
The Readlyn Savings Bank is an FDIC-insured commercial bank headquartered in Readlyn, IA, established in 1904 (FDIC certificate 9300), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $148.3M, up 3.5% from Q2 2025, the 165th largest of 225 banks headquartered in Iowa. Its CET1 capital ratio was 26.80% 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
- 9300
- Headquarters
- Readlyn, IA
- Established
- 1904
- Total assets, Q2 2026
- $148.3M
- Assets vs Q2 2025
- +3.5%
- CET1 ratio, Q2 2026
- 26.80%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 073915494
- Latest call report
- Q2 2026, FFIEC 041 · The Readlyn Savings Bank call report
- Holding company
- READLYN BANCSHARES, INC.
- Asset rank in state
- 165th of 225 in Iowa
Problem loans are rising at The Readlyn Savings Bank. Based in Readlyn, Iowa, it had $148 million in assets at June 30, 2026, up 3.5% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 3.04% of loans from 1.24% a year earlier. It spends about 41 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 61 cents). It also holds common equity equal to 26.80% of its risk-weighted assets, higher than about 9 in 10 banks its size (median 15.12%).
Loans and deposits moved in opposite directions: over the year loans fell 8.1% and deposits rose 3.3%. The commercial and industrial book ($13 million) is worsening: 2.44% of it is past due or on nonaccrual, up from 1.24% a year earlier. Credit is the area to watch: it carries problem assets equal to 10.3% of the capital and reserves that would absorb them, 3.9 times the median of 2.6% for banks its size.
As of June 30, 2026, The Readlyn Savings Bank reported a CET1 capital ratio of 26.80%, a return on assets of 1.67%, a nonperforming-loan ratio of 3.04% and a Texas ratio of 10.33%. The figures come from its call report filed with the FFIEC.
The Readlyn Savings Bank ranks as the 165th largest of the 225 banks based in Iowa, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 1.4% to $148.3M, loans fell 3.5% and deposits fell 2.0%. The largest part of its loan book on June 30, 2026 was agricultural production loans, at 32.4% of total loans, ahead of 1-4 family residential loans at 31.0%. The FDIC Summary of Deposits lists 2 offices for it, in Readlyn, IA and Tripoli, IA; its Readlyn office books 51% of its branch deposits. Judged on its Q2 2026 call report, The Readlyn Savings Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 141 Main St, Readlyn, IA 50668
- County
- Bremer
- Metro Area
- Waterloo-Cedar Falls, 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 041
- Established
- May 15, 1904
- Former names
- Readlyn Savings Bank (1980)
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 11
- Domestic deposits
- $111.6M
- Allowance for credit losses
- $1.3M
- Net charge-offs (YTD)
- $0
- Average total assets
- $153.1M
- Average total loans
- $93.2M
- Average interest-bearing deposits
- $88.4M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 9300
- Fed RSSD
- 287342
- Website
- www.readlynsavingsbank.com →
- Parent Holding Company
- READLYN BANCSHARES, INC. (RSSD 1139327)
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, The Readlyn Savings Bank's total assets ran between $135.5M (Q3 2023) and $150.3M (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
$148.3M total assets against $143.2M; $121.3M total liabilities against $118.1M.
$94.7M net loans and leases against $103.2M; $111.6M total deposits against $108.0M.
$37.4M securities against $24.4M; $12.4M cash and balances due against $11.7M.
$1.8M total interest income against $1.9M; $645K total interest expense against $694K.
$1.1M net interest income against $1.2M.
$40K total noninterest income against $33K; $505K total noninterest expense against $484K.
$0 provision for credit losses against $0.
$640K net income against $726K.
1.67% return on assets against 1.95%; 3.29% net interest margin against 3.44%.
26.80% CET1 capital ratio against 24.86%; 19.30% tier 1 leverage ratio against 18.96%.
Inside the full The Readlyn Savings 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.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
The Readlyn Savings Bank rankings
Its closest position to the top of a national ranking is 122 of 2,134, for CET1 ratio; its furthest is 3,306 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.48% (Q3 2025) to 2.15% (Q4 2025) and its net interest margin ran from 3.12% (Q3 2025) to 3.85% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 26.80% | 1.67% | 3.04% | 10.33% | 3.29% |
| Q1 2026 | 26.29% | 1.79% | 0.70% | 2.47% | 3.39% |
| Q4 2025 | 26.22% | 2.15% | 0.00% | 0.00% | 3.85% |
| Q3 2025 | 25.89% | 1.48% | 1.30% | 4.76% | 3.12% |
| Q2 2025 | 24.86% | 1.95% | 1.24% | 4.88% | 3.44% |
| Q1 2025 | 24.62% | 1.79% | 0.10% | 0.40% | 3.33% |
| Q4 2024 | 25.13% | 1.67% | 0.00% | 0.00% | 3.36% |
| Q3 2024 | 25.15% | 1.72% | 0.00% | 0.00% | 3.39% |
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 |
|---|---|---|---|
| Readlyn Savings Bank | Readlyn , IA | 50668 | $56.9M |
| Tripoli Branch | Tripoli , IA | 50676 | $54.7M |
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 |
|---|---|---|---|
| December 4, 2021 | Structure Change | Acquired American Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 1, 2021 | 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 196 of 261 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $150K approved, $150K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2002 (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 The Readlyn Savings Bank
What are The Readlyn Savings Bank's total assets?
As of the Q2 2026 filing, The Readlyn Savings Bank reported total assets of $148.3 million in its FFIEC call report.
Where is The Readlyn Savings Bank headquartered?
It is headquartered in Readlyn, IA, United States.
When was The Readlyn Savings Bank founded?
It was established in 1904, per the FDIC institution directory.
Is The Readlyn Savings Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #9300). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Readlyn Savings Bank?
The Readlyn Savings Bank's primary federal regulator is the FDIC.
What is The Readlyn Savings Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 26.80% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The Readlyn Savings 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 The Readlyn Savings Bank's Texas Ratio?
Its Texas Ratio is 10.33% 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 The Readlyn Savings Bank previously called?
The charter now named The Readlyn Savings Bank has also operated as Readlyn Savings Bank (1980), per FDIC structure-change records.
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