Savings Bank
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Data as of · sourced from FFIEC call reports. How we update
Savings Bank is an FDIC-insured commercial bank headquartered in Primghar, IA, established in 1894 (FDIC certificate 13735), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $304.8M, up 5.2% from Q2 2025, the 99th largest of 225 banks headquartered in Iowa. It reports no CET1 ratio; its Tier 1 leverage ratio was 13.60% 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
- 13735
- Headquarters
- Primghar, IA
- Established
- 1894
- Total assets, Q2 2026
- $304.8M
- Assets vs Q2 2025
- +5.2%
- Tier 1 leverage ratio, Q2 2026
- 13.60%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 073907868
- Holding company
- CAPITAL BANCSHARES, INC.
- Asset rank in state
- 99th of 225 in Iowa
Savings Bank, based in Primghar, Iowa, reported $305 million in assets at June 30, 2026, up 5.2% from a year earlier. It holds commercial real estate loans equal to only 30% of its capital, a small fraction of the median of 1.2 times for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it pays an average of 2.56% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.32% of loans from 1.08%. Its $39 million commercial and industrial book is improving, with 1.95% past due or on nonaccrual, down from 7.71% a year earlier. One more trend to watch: loans are outrunning deposits: over the year loans rose 5.5% and deposits rose 0.5%.
As of June 30, 2026, Savings Bank reported a return on assets of 1.47%, a nonperforming-loan ratio of 0.32% and a Texas ratio of 4.76%. The figures come from its call report filed with the FFIEC.
Of the 225 banks headquartered in Iowa, Savings Bank is the 99th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 2.2% to $304.8M, loans rose 2.3% and deposits fell 1.8%. Agricultural production loans made up 38.0% of its total loans on June 30, 2026, its largest category; next came farmland and other real estate loans at 26.7%. Its 3 offices in the FDIC Summary of Deposits are in Hartley, IA, Primghar, IA and Lake Park, IA; its Hartley office books 34% of its branch deposits. On its Q2 2026 call report, Savings Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 185 S Green Ave, Primghar, IA 51245
- 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 041
- Established
- November 15, 1894
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 20
- Domestic deposits
- $242.1M
- Allowance for credit losses
- $3.2M
- Net charge-offs (YTD)
- $750K
- Average total assets
- $300.1M
- Average total loans
- $226.9M
- Average interest-bearing deposits
- $224.2M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 29, 1934
- FDIC Cert
- 13735
- Fed RSSD
- 588348
- Website
- www.savingsbankia.com →
- Parent Holding Company
- CAPITAL BANCSHARES, INC. (RSSD 3104794)
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, 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, Savings Bank's total assets ran between $273.0M (Q3 2023) and $304.8M (Q2 2026), and it earned a profit in 10 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$304.8M total assets against $289.9M; $266.3M total liabilities against $255.8M.
$227.1M net loans and leases against $214.3M; $242.1M total deposits against $240.9M.
$65.1M securities against $63.3M; $4.6M cash and balances due against $5.4M.
$4.3M total interest income against $4.2M; $1.7M total interest expense against $1.9M.
$2.7M net interest income against $2.3M.
$120K total noninterest income against $80K; $1.4M total noninterest expense against $1.3M.
$240K provision for credit losses against $225K.
$1.1M net income against $778K.
1.47% return on assets against 1.07%; 3.61% net interest margin against 3.25%.
13.60% tier 1 leverage ratio against 12.95%.
Inside the full Savings Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeSavings Bank rankings
Its closest position to the top of a national ranking is 698 of 3,606, for efficiency ratio; its furthest is 2,432 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -0.19% (Q3 2024) to 1.72% (Q4 2025) and its net interest margin ran from 2.64% (Q3 2024) to 3.61% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.60% | 1.47% | 0.32% | 4.76% | 3.61% |
| Q1 2026 | 13.57% | 1.41% | 0.27% | 4.71% | 3.51% |
| Q4 2025 | 13.29% | 1.72% | 0.60% | 6.31% | 3.46% |
| Q3 2025 | 13.27% | 1.66% | 0.82% | 7.72% | 3.42% |
| Q2 2025 | 12.95% | 1.07% | 1.08% | 9.43% | 3.25% |
| Q1 2025 | 13.21% | 1.20% | 1.70% | 13.34% | 3.14% |
| Q4 2024 | 12.81% | -0.17% | 1.77% | 13.07% | 2.84% |
| Q3 2024 | 12.87% | -0.19% | 1.74% | 10.38% | 2.64% |
Swipe the table sideways to see every column.
Branch Network
View all 3 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 |
|---|---|---|---|
| Hartley Branch | Hartley , IA | 51346 | $82.9M |
| Savings Bank (main office) | Primghar , IA | 51245 | $80.3M |
| Lake Park Branch | Lake Park , IA | 51347 | $78.9M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in IA, rank 117 of 261 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $150K approved, $150K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2014 (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 Savings Bank
What are Savings Bank's total assets?
As of the Q2 2026 filing, Savings Bank reported total assets of $304.8 million in its FFIEC call report.
Where is Savings Bank headquartered?
It is headquartered in Primghar, IA, United States.
When was Savings Bank founded?
It was established in 1894, per the FDIC institution directory.
Is Savings Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #13735). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Savings Bank?
Savings Bank's primary federal regulator is the FDIC.
How many branches does Savings Bank operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Savings Bank's Texas Ratio?
Its Texas Ratio is 4.76% 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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