Sanborn Savings Bank
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Data as of · sourced from FFIEC call reports. How we update
Sanborn Savings Bank is an FDIC-insured commercial bank headquartered in Sanborn, IA, established in 1899 (FDIC certificate 11352), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $92.7M, up 7.3% from Q2 2025, the 195th largest of 225 banks headquartered in Iowa. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.26% 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
- 11352
- Headquarters
- Sanborn, IA
- Established
- 1899
- Total assets, Q2 2026
- $92.7M
- Assets vs Q2 2025
- +7.3%
- Tier 1 leverage ratio, Q2 2026
- 9.26%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 073905637
- Latest call report
- Q2 2026, FFIEC 051 · Sanborn Savings Bank call report
- Holding company
- SAN BANCORP
- Asset rank in state
- 195th of 225 in Iowa
Sanborn Savings Bank pays more for its money than most banks of its size. The Sanborn, Iowa bank had $93 million in assets at June 30, 2026, up 7.3% from a year earlier. It pays an average of 2.84% on its deposits and borrowings, about double the median of 1.53% for the 583 banks with less than $100 million in assets. It also funds 9.26% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 13.06%).
Net income for the quarter rose 16% from a year earlier, to $257,000. Over the same year, loans grew 7.9% and deposits grew 2.3%.
As of June 30, 2026, Sanborn Savings Bank reported a return on assets of 1.11%, a nonperforming-loan ratio of 0.01% and a Texas ratio of 0.04%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Sanborn Savings Bank is the 195th largest of the 225 banks headquartered in Iowa. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 2.8% to $92.7M, loans rose 5.5% and deposits rose 1.4%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 30.7% of total loans, followed by agricultural production loans at 27.9%. Its one office in the FDIC Summary of Deposits is in Sanborn, IA. On its Q2 2026 call report, Sanborn Savings Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 219 Main St, Sanborn, IA 51248
- County
- O'Brien
- 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 1, 1899
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 11
- Domestic deposits
- $66.6M
- Allowance for credit losses
- $839K
- Net charge-offs (YTD)
- $0
- Average total assets
- $92.3M
- Average total loans
- $65.8M
- Average interest-bearing deposits
- $59.7M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 11352
- Fed RSSD
- 595944
- Website
- www.sanbornbank.com →
- Parent Holding Company
- SAN BANCORP (RSSD 1202922)
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, Sanborn Savings 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, Sanborn Savings Bank's total assets ran between $82.6M (Q3 2024) and $92.7M (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
$92.7M total assets against $86.5M; $84.0M total liabilities against $78.2M.
$66.5M net loans and leases against $61.6M; $66.6M total deposits against $65.1M.
$14.7M securities against $13.8M; $7.4M cash and balances due against $7.1M.
$1.2M total interest income against $1.1M; $459K total interest expense against $461K.
$725K net interest income against $665K.
$41K total noninterest income against $37K; $472K total noninterest expense against $468K.
$25K provision for credit losses against $0.
$257K net income against $222K.
1.11% return on assets against 1.01%; 3.38% net interest margin against 3.26%.
9.26% tier 1 leverage ratio against 9.29%.
Inside the full Sanborn 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.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Sanborn Savings Bank rankings
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.83% (Q3 2024) to 1.21% (Q1 2026) and its net interest margin ran from 2.89% (Q3 2024) to 3.38% (Q1 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.26% | 1.11% | 0.01% | 0.04% | 3.38% |
| Q1 2026 | 9.40% | 1.21% | 0.01% | 0.05% | 3.38% |
| Q4 2025 | 9.11% | 0.96% | 0.01% | 0.07% | 3.25% |
| Q3 2025 | 9.40% | 1.08% | 0.01% | 0.07% | 3.25% |
| Q2 2025 | 9.29% | 1.01% | 0.01% | 0.07% | 3.26% |
| Q1 2025 | 9.30% | 1.03% | 0.01% | 0.08% | 3.27% |
| Q4 2024 | 9.38% | 1.03% | 0.01% | 0.10% | 3.24% |
| Q3 2024 | 9.25% | 0.83% | 0.02% | 0.15% | 2.89% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 |
|---|---|---|---|
| Sanborn Savings Bank (main office) | Sanborn , IA | 51248 | $66.6M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IA, rank 230 of 261 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $83K approved, $83K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2013 (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 Sanborn Savings Bank
What are Sanborn Savings Bank's total assets?
As of the Q2 2026 filing, Sanborn Savings Bank reported total assets of $92.7 million in its FFIEC call report.
Where is Sanborn Savings Bank headquartered?
It is headquartered in Sanborn, IA, United States.
When was Sanborn Savings Bank founded?
It was established in 1899, per the FDIC institution directory.
Is Sanborn Savings Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #11352). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Sanborn Savings Bank?
Sanborn Savings Bank's primary federal regulator is the FDIC.
How many branches does Sanborn Savings Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Sanborn Savings Bank's Texas Ratio?
Its Texas Ratio is 0.04% 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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