Sibley State Bank
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Data as of · sourced from FFIEC call reports. How we update
Sibley State Bank is an FDIC-insured commercial bank headquartered in Sibley, IA, established in 1894 (FDIC certificate 11764), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $104.4M, up 0.9% from Q2 2025, the 193rd largest of 225 banks headquartered in Iowa. Its CET1 capital ratio was 15.67% 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
- 11764
- Headquarters
- Sibley, IA
- Established
- 1894
- Total assets, Q2 2026
- $104.4M
- Assets vs Q2 2025
- +0.9%
- CET1 ratio, Q2 2026
- 15.67%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 073905116
- Holding company
- CYPRESS CORPORATION
- Asset rank in state
- 193rd of 225 in Iowa
Sibley State Bank, based in Sibley, Iowa, reported $104 million in assets at June 30, 2026. It pays an average of 1.25% on its deposits and borrowings, lower than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 1.80%). It also shrank its loan book 0.3% over the year, lower than about three-quarters of banks its size (median 5.5%).
Problem loans roughly halved over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.46% of loans from 1.09%. Net income for the quarter rose 10% from a year earlier, to $411,000.
As of June 30, 2026, Sibley State Bank reported a CET1 capital ratio of 15.67%, a return on assets of 1.53%, a nonperforming-loan ratio of 0.46% and a Texas ratio of 2.69%. The figures come from its call report filed with the FFIEC.
Of the 225 banks headquartered in Iowa, Sibley State Bank is the 193rd largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 5.1% to $104.4M, loans rose 0.2% and deposits fell 5.3%. Its loan book on June 30, 2026 was led by agricultural production loans, at 70.6% of total loans, followed by farmland and other real estate loans at 22.4%. The FDIC Summary of Deposits lists a single office for it, in Sibley, IA. On its Q2 2026 call report, Sibley State Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 803 4th Ave, Sibley, IA 51249
- County
- Osceola
- 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, 1894
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 11
- Domestic deposits
- $91.5M
- Allowance for credit losses
- $797K
- Net charge-offs (YTD)
- $4K
- Average total assets
- $107.1M
- Average total loans
- $66.3M
- Average interest-bearing deposits
- $73.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 11764
- Fed RSSD
- 598543
- Website
- http://www.sibleystatebank.com →
- Parent Holding Company
- CYPRESS CORPORATION (RSSD 1199808)
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
Sibley State Bank's total assets moved between a low of $100.9M (Q3 2023) and a high of $110.0M (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
$104.4M total assets against $103.5M; $93.8M total liabilities against $92.9M.
$66.0M net loans and leases against $66.2M; $91.5M total deposits against $89.2M.
$28.4M securities against $22.8M; $5.3M cash and balances due against $9.8M.
$1.3M total interest income against $1.2M; $297K total interest expense against $337K.
$967K net interest income against $884K.
$93K total noninterest income against $90K; $544K total noninterest expense against $493K.
$0 provision for credit losses against $0.
$411K net income against $373K.
1.53% return on assets against 1.42%; 3.79% net interest margin against 3.54%.
15.67% CET1 capital ratio against 15.35%; 11.03% tier 1 leverage ratio against 11.28%.
Inside the full Sibley State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeSibley State Bank rankings
Its closest position to the top of a national ranking is 870 of 3,606, for efficiency ratio; its furthest is 3,633 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.83% (Q4 2024) to 1.53% (Q2 2026) and its net interest margin ran from 3.22% (Q1 2025) to 3.79% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.67% | 1.53% | 0.46% | 2.69% | 3.79% |
| Q1 2026 | 15.71% | 1.26% | 0.51% | 2.92% | 3.62% |
| Q4 2025 | 14.45% | 1.20% | 0.28% | 1.74% | 3.69% |
| Q3 2025 | 14.28% | 1.45% | 0.38% | 2.37% | 3.71% |
| Q2 2025 | 15.35% | 1.42% | 1.46% | 6.45% | 3.54% |
| Q1 2025 | 14.41% | 1.24% | 0.30% | 1.92% | 3.22% |
| Q4 2024 | 14.52% | 0.83% | 0.02% | 0.15% | 3.26% |
| Q3 2024 | 13.92% | 1.12% | 0.04% | 0.29% | 3.28% |
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 |
|---|---|---|---|
| Sibley State Bank (main office) | Sibley , IA | 51249 | $91.5M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IA, rank 209 of 261 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $115K approved, $115K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2005 (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 Sibley State Bank
What are Sibley State Bank's total assets?
As of the Q2 2026 filing, Sibley State Bank reported total assets of $104.4 million in its FFIEC call report.
Where is Sibley State Bank headquartered?
It is headquartered in Sibley, IA, United States.
When was Sibley State Bank founded?
It was established in 1894, per the FDIC institution directory.
Is Sibley State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #11764). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Sibley State Bank?
Sibley State Bank's primary federal regulator is the FDIC.
What is Sibley State Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 15.67% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Sibley State 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 Sibley State Bank's Texas Ratio?
Its Texas Ratio is 2.69% 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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