South Story Bank & Trust
South Story Bank & Trust is a locally rooted FDIC-insured community bank based in Slater, IA. On its most recent Q1 2026 call report, South Story Bank & Trust reported $607M in total assets against $483M in deposits. Profitability runs below industry average — 0.56% ROA, 4.72% ROE, with NIM at 3.69%. Under the simplified Community Bank Leverage Ratio framework, leverage of 10.77% exceeds the 9% CBLR threshold. Credit metrics are in line with industry norms — 0.78% NPL ratio. It operates 6 branches, primarily in Iowa.
Headquarters Profile
- Address
- 501 Linn St, SLATER, IA 50244
- County
- Story
- Metro Area
- AMES, IA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- Fed District
- 11
- Established
- September 1, 1954
- Branches
- 6 domestic
- Employees (FTE)
- 85
- FDIC Cert
- 17348
- Fed RSSD
- 542340
- Website
- www.southstorybank.com →
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
Loans outstanding exceed total deposits — the bank is funding the gap with wholesale sources (FHLB advances, brokered deposits, repo) that are more rate-sensitive and can dry up in a stress scenario.
South Story Bank & Trust rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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Frequently asked about South Story Bank & Trust
What are South Story Bank & Trust's total assets?
As of the Q1 2026 filing, South Story Bank & Trust reported total assets of $607.3 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is South Story Bank & Trust headquartered?
South Story Bank & Trust is headquartered in SLATER, IA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was South Story Bank & Trust founded?
South Story Bank & Trust was established in 1954, per the FDIC institution directory.
Is South Story Bank & Trust FDIC-insured?
Yes. South Story Bank & Trust is an FDIC-insured commercial bank (FDIC Certificate #17348). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates South Story Bank & Trust?
South Story Bank & Trust's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does South Story Bank & Trust operate?
South Story Bank & Trust operates 6 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is South Story Bank & Trust's Texas Ratio?
South Story Bank & Trust's Texas Ratio is 7.54% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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