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South Ottumwa Savings Bank Locations & Branches Ottumwa, Iowa
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South Ottumwa Savings Bank operates 6 branches from its headquarters in Ottumwa, IA, .
South Ottumwa Savings Bank branch network
All 6 branches are in IOWA, across 4 cities. Ottumwa, IA has the most of its branches, 2. Its largest office by deposits is its main office in Ottumwa, IA, with $286.8M (60.5% of its branch deposits). It had the same number of branches on June 30, 2025.
South Ottumwa Savings Bank at a glance
Its CET1 capital ratio was 18.33% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Total assets, Q2 2026
- $565.4M
- CET1 ratio, Q2 2026
- 18.33%
- Deposit insurance
- FDIC
- Regulator
- FDIC
- Latest call report
- Q2 2026, FFIEC 051
- Established
- 1903
Full financial profile · Is South Ottumwa Savings Bank safe? · South Ottumwa Savings Bank call report · Routing number
Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: Ottumwa, IA (2 branches) | 1 of 4 | 57.6% | $309.2M |
| State: IA (6 branches) | 57 of 261 | 0.4% | $473.9M |
Ranked by total assets among banks headquartered in the state: Largest banks in Iowa.
Share by county and metro area
South Ottumwa Savings Bank's share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| Wapello, IA (2 branches) | 1 of 7 | 52.9% | $309.2M | $584.9M |
| Muscatine, IA (1 branch) | 5 of 7 | 6.1% | $76.4M | $1.26B |
| Monroe, IA (2 branches) | 2 of 3 | 27.4% | $75.3M | $274.8M |
| Keokuk, IA (1 branch) | 7 of 7 | 3.4% | $13.0M | $380.2M |
Metro areas
| Metro area | Rank | Deposit share | Deposits | Metro total |
|---|---|---|---|---|
| Ottumwa, IA (2 branches) | 1 of 7 | 52.9% | $309.2M | $584.9M |
| Muscatine, IA (1 branch) | 5 of 7 | 6.1% | $76.4M | $1.26B |
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| South Ottumwa Savings Bank (main office) | Ottumwa, IA | 52501 | $286.8M |
| West Liberty State Bank Branch | West Liberty, IA | 52776 | $76.4M |
| 102 South Main Branch | Albia, IA | 52531 | $75.3M |
| North Court Branch | Ottumwa, IA | 52501 | $22.4M |
| Hedrick Branch | Hedrick, IA | 52563 | $13.0M |
| Albia Drive-Thru Branch | Albia, IA | 52531 | $0 |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 9099) · FFIEC NIC profile (RSSD 75446)