State Bank of Schaller
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Data as of · sourced from FFIEC call reports. How we update
State Bank of Schaller is an FDIC-insured commercial bank headquartered in Schaller, IA, established in 1898 (FDIC certificate 13931), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $40.6M, up 2.6% from Q2 2025, the 220th largest of 225 banks headquartered in Iowa. It reports no CET1 ratio; its Tier 1 leverage ratio was 13.27% 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
- 13931
- Headquarters
- Schaller, IA
- Established
- 1898
- Total assets, Q2 2026
- $40.6M
- Assets vs Q2 2025
- +2.6%
- Tier 1 leverage ratio, Q2 2026
- 13.27%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 073908511
- Latest call report
- Q2 2026, FFIEC 051 · State Bank of Schaller call report
- Holding company
- CENTURY BANCSHARES, INC.
- Asset rank in state
- 220th of 225 in Iowa
Problem loans are rising at State Bank of Schaller. It reported $41 million in assets at June 30, 2026, up 2.6% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 3.69% of loans from 3.30% a year earlier. It keeps 3.00 cents of net interest income on every dollar of earning assets, lower than about three-quarters of the 583 banks with less than $100 million in assets (median 3.87 cents). On the other hand, it spends about 56 cents to bring in each dollar of revenue, lower than about three-quarters of banks its size (median 69 cents).
Net income for the quarter slipped 17% from a year earlier, to $85,000. Over the same year, loans shrank 3.5% and deposits grew 2.7%.
As of June 30, 2026, State Bank of Schaller reported a return on assets of 0.81%, a nonperforming-loan ratio of 3.69% and a Texas ratio of 6.67%. The figures come from its call report filed with the FFIEC.
Of the 225 banks headquartered in Iowa, State Bank of Schaller is the 220th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 2.1% to $40.6M, loans rose 2.2% and deposits rose 2.1%. Agricultural production loans made up 50.4% of its total loans on June 30, 2026, its largest category; next came farmland and other real estate loans at 22.2%. The FDIC Summary of Deposits lists a single office for it, in Schaller, IA. By the capital ratios in its Q2 2026 call report, State Bank of Schaller meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 100 W 2nd St, Schaller, IA 51053
- County
- Sac
- 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, 1898
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 4
- Domestic deposits
- $34.9M
- Allowance for credit losses
- $105K
- Net charge-offs (YTD)
- $61K
- Average total assets
- $42.1M
- Average total loans
- $10.2M
- Average interest-bearing deposits
- $30.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- February 24, 1934
- FDIC Cert
- 13931
- Fed RSSD
- 534242
- Website
- www.statebankofschaller.com →
- Parent Holding Company
- CENTURY BANCSHARES, INC. (RSSD 2598118)
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, State Bank of Schaller reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
State Bank of Schaller's total assets moved between a low of $38.3M (Q3 2025) and a high of $42.3M (Q3 2024) 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
$40.6M total assets against $39.6M; $35.1M total liabilities against $34.3M.
$9.9M net loans and leases against $10.3M; $34.9M total deposits against $34.0M.
$23.1M securities against $24.4M; $6.6M cash and balances due against $3.8M.
$416K total interest income against $418K; $171K total interest expense against $176K.
$245K net interest income against $242K.
$53K total noninterest income against $72K; $175K total noninterest expense against $175K.
No provision recorded in the last 12 quarters.
$85K net income against $103K.
0.81% return on assets against 1.03%; 3.00% net interest margin against 2.92%.
13.27% tier 1 leverage ratio against 13.96%.
Inside the full State Bank of Schaller 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.
State Bank of Schaller rankings
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.40% (Q4 2024) to 1.49% (Q3 2025) and its net interest margin ran from 2.71% (Q3 2024) to 4.29% (Q4 2024).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.27% | 0.81% | 3.69% | 6.67% | 3.00% |
| Q1 2026 | 13.61% | 0.76% | 3.43% | 6.06% | 3.22% |
| Q4 2025 | 13.55% | 1.01% | 6.86% | 13.02% | 3.08% |
| Q3 2025 | 13.63% | 1.49% | 6.38% | 11.61% | 3.15% |
| Q2 2025 | 13.96% | 1.03% | 3.30% | 6.28% | 2.92% |
| Q1 2025 | 12.55% | 1.20% | 3.61% | 7.32% | 2.92% |
| Q4 2024 | 12.39% | 0.40% | 3.70% | 7.92% | 4.29% |
| Q3 2024 | 12.48% | 1.13% | 3.77% | 8.06% | 2.71% |
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 |
|---|---|---|---|
| State Bank of Schaller (main office) | Schaller , IA | 51053 | $34.9M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IA, rank 247 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 1999 (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 State Bank of Schaller
What are State Bank of Schaller's total assets?
As of the Q2 2026 filing, State Bank of Schaller reported total assets of $40.6 million in its FFIEC call report.
Where is State Bank of Schaller headquartered?
It is headquartered in Schaller, IA, United States.
When was State Bank of Schaller founded?
It was established in 1898, per the FDIC institution directory.
Is State Bank of Schaller FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #13931). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates State Bank of Schaller?
State Bank of Schaller's primary federal regulator is the FDIC.
How many branches does State Bank of Schaller 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 State Bank of Schaller's Texas Ratio?
Its Texas Ratio is 6.67% 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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