Sloan State Bank
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Data as of · sourced from FFIEC call reports. How we update
Sloan State Bank is an FDIC-insured commercial bank headquartered in Sloan, IA, established in 1889 (FDIC certificate 8507), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $78.9M, up 10.4% from Q2 2025, the 202nd largest of 225 banks headquartered in Iowa. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.95% 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
- 8507
- Headquarters
- Sloan, IA
- Established
- 1889
- Total assets, Q2 2026
- $78.9M
- Assets vs Q2 2025
- +10.4%
- Tier 1 leverage ratio, Q2 2026
- 10.95%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 073909361
- Latest call report
- Q2 2026, FFIEC 051 · Sloan State Bank call report
- Holding company
- SLOAN STATE CORPORATION
- Asset rank in state
- 202nd of 225 in Iowa
Sloan State Bank is one of the more profitable banks of its size. It reported $79 million in assets at June 30, 2026, up 10.4% from a year earlier. It returns 25.0% a year on shareholders' equity, about triple the median of 8.6% for the 583 banks with less than $100 million in assets. On the other hand, it carries problem assets equal to 20.2% of the capital and reserves that would absorb them, 14.6 times the median of 1.4% for banks its size. Much of that comes from cost control: it spends about 50 cents to bring in each dollar of revenue.
Paper losses on its bond portfolio are shrinking: unrealized losses of $4.1 million equal 46% of Tier 1 capital, down from 57% a year earlier. Deposits are coming in faster than loans: over the year loans rose 0.7% and deposits rose 9.4%. Its margin is thin by comparison: it keeps 3.22 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.87 cents).
As of June 30, 2026, Sloan State Bank reported a return on assets of 1.51%, a nonperforming-loan ratio of 4.28% and a Texas ratio of 20.16%. The figures come from its call report filed with the FFIEC.
Sloan State Bank ranks as the 202nd largest of the 225 banks based in Iowa, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 8.9% to $78.9M, loans fell 9.6% and deposits fell 9.6%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 23.5% of total loans, ahead of agricultural production loans at 22.2%. The FDIC Summary of Deposits lists 2 offices for it, in Sloan, IA and Whiting, IA; its Sloan office books 81% of its branch deposits. Judged on its Q2 2026 call report, Sloan State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 302 4th St, Sloan, IA 51055
- County
- Woodbury
- Metro Area
- Sioux City, Ia-Ne-SD
- 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
- October 19, 1889
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 10
- Domestic deposits
- $73.8M
- Allowance for credit losses
- $336K
- Net charge-offs (YTD)
- $0
- Average total assets
- $81.5M
- Average total loans
- $24.1M
- Average interest-bearing deposits
- $58.9M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 8507
- Fed RSSD
- 481748
- Website
- www.sloanstatebank.com →
- Parent Holding Company
- SLOAN STATE CORPORATION (RSSD 1201439)
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, Sloan State 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, Sloan State Bank's total assets ran between $67.7M (Q4 2023) and $86.7M (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
$78.9M total assets against $71.4M; $73.9M total liabilities against $67.6M.
$23.0M net loans and leases against $22.8M; $73.8M total deposits against $67.5M.
$35.1M securities against $34.0M; $19.7M cash and balances due against $13.5M.
$826K total interest income against $763K; $202K total interest expense against $169K.
$624K net interest income against $594K.
$18K total noninterest income against $15K; $323K total noninterest expense against $317K.
$0 provision for credit losses against $50K.
$307K net income against $231K.
1.51% return on assets against 1.27%; 3.22% net interest margin against 3.37%.
10.95% tier 1 leverage ratio against 11.69%.
Inside the full Sloan State 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.
Sloan State Bank rankings
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.10% (Q4 2024) to 1.60% (Q3 2025) and its net interest margin ran from 3.16% (Q1 2025) to 3.44% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.95% | 1.51% | 4.28% | 20.16% | 3.22% |
| Q1 2026 | 11.93% | 1.41% | 1.67% | 9.63% | 3.22% |
| Q4 2025 | 11.75% | 1.21% | 1.09% | 6.82% | 3.33% |
| Q3 2025 | 12.11% | 1.60% | 1.65% | 9.65% | 3.44% |
| Q2 2025 | 11.69% | 1.27% | 4.18% | 25.08% | 3.37% |
| Q1 2025 | 11.55% | 1.34% | 1.42% | 10.45% | 3.16% |
| Q4 2024 | 11.25% | 1.10% | 2.23% | 18.08% | 3.17% |
| Q3 2024 | 11.90% | 1.29% | 2.12% | 12.59% | 3.23% |
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 |
|---|---|---|---|
| Sloan State Bank (main office) | Sloan , IA | 51055 | $59.7M |
| Whiting Branch | Whiting , IA | 51063 | $14.0M |
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 |
|---|---|---|---|
| June 3, 1988 | Structure Change | Acquired Community State Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| June 2, 1988 | 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 225 of 261 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $290K approved, $290K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1994 (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 Sloan State Bank
What are Sloan State Bank's total assets?
As of the Q2 2026 filing, Sloan State Bank reported total assets of $78.9 million in its FFIEC call report.
Where is Sloan State Bank headquartered?
It is headquartered in Sloan, IA, United States.
When was Sloan State Bank founded?
It was established in 1889, per the FDIC institution directory.
Is Sloan State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #8507). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Sloan State Bank?
Sloan State Bank's primary federal regulator is the FDIC.
How many branches does Sloan State 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 Sloan State Bank's Texas Ratio?
Its Texas Ratio is 20.16% 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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