Templeton Savings Bank
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Data as of · sourced from FFIEC call reports. How we update
Templeton Savings Bank is an FDIC-insured commercial bank headquartered in Templeton, IA, established in 1923 (FDIC certificate 969), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $169.6M, up 9.0% from Q2 2025, the 155th largest of 225 banks headquartered in Iowa. It reports no CET1 ratio; its Tier 1 leverage ratio was 14.50% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 969
- Headquarters
- Templeton, IA
- Established
- 1923
- Total assets, Q2 2026
- $169.6M
- Assets vs Q2 2025
- +9.0%
- Tier 1 leverage ratio, Q2 2026
- 14.50%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 073920405
- Latest call report
- Q2 2026, FFIEC 051 · Templeton Savings Bank call report
- Asset rank in state
- 155th of 225 in Iowa
Templeton Savings Bank, based in Templeton, Iowa, reported $170 million in assets at June 30, 2026, up 9.0% from a year earlier. It holds commercial real estate loans equal to only 9% of its capital, a small fraction of the median of 1.2 times for the 2,660 banks with $100 million to $1 billion in assets. It also carries problem assets equal to 0.0% of the capital and reserves that would absorb them, a small fraction of the median of 2.6% for banks its size.
Earnings jumped: net income for the quarter was $678,000, 38% above the same quarter a year earlier. Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.00% of loans from 0.34%.
As of June 30, 2026, Templeton Savings Bank reported a return on assets of 1.58%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.02%. The figures come from its call report filed with the FFIEC.
Of the 225 banks headquartered in Iowa, Templeton Savings Bank is the 155th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets were flat, loans rose 0.3% and deposits fell 0.3%. The largest part of its loan book on June 30, 2026 was farmland and other real estate loans, at 34.4% of total loans, ahead of 1-4 family residential loans at 25.8%. The FDIC Summary of Deposits lists 2 offices for it, in Templeton, IA and Manning, IA; its Templeton office books 77% of its branch deposits. Judged on its Q2 2026 call report, Templeton Savings Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 103 S Main St, Templeton, IA 51463
- County
- Carroll
- Metro Area
- Carroll, IA
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1923
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 19
- Domestic deposits
- $141.9M
- Allowance for credit losses
- $1.6M
- Net charge-offs (YTD)
- $0
- Average total assets
- $172.0M
- Average total loans
- $108.2M
- Average interest-bearing deposits
- $109.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 969
- Fed RSSD
- 366247
- Website
- www.templetonsavingsbank.com →
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, Templeton Savings 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, Templeton Savings Bank's total assets ran between $155.6M (Q2 2025) and $169.6M (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
$169.6M total assets against $155.6M; $143.1M total liabilities against $130.4M.
$107.7M net loans and leases against $101.9M; $141.9M total deposits against $129.3M.
$40.2M securities against $37.0M; $17.2M cash and balances due against $12.3M.
$2.3M total interest income against $2.0M; $600K total interest expense against $547K.
$1.7M net interest income against $1.4M.
$76K total noninterest income against $85K; $807K total noninterest expense against $827K.
$23K provision for credit losses against $12K.
$678K net income against $491K.
1.58% return on assets against 1.23%; 3.99% net interest margin against 3.67%.
14.50% tier 1 leverage ratio against 14.69%.
Inside the full Templeton Savings Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeTempleton Savings Bank rankings
Its closest position to the top of a national ranking is 504 of 3,606, for efficiency ratio; its furthest is 3,324 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.02% (Q3 2024) to 1.58% (Q2 2026) and its net interest margin ran from 3.28% (Q3 2024) to 4.07% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.50% | 1.58% | 0.00% | 0.02% | 3.99% |
| Q1 2026 | 14.75% | 1.57% | 0.00% | 0.00% | 4.06% |
| Q4 2025 | 14.45% | 1.41% | 0.00% | 0.00% | 4.07% |
| Q3 2025 | 14.95% | 1.48% | 0.32% | 1.36% | 3.81% |
| Q2 2025 | 14.69% | 1.23% | 0.34% | 1.41% | 3.67% |
| Q1 2025 | 13.99% | 1.22% | 0.01% | 0.05% | 3.42% |
| Q4 2024 | 14.22% | 1.09% | 0.01% | 0.04% | 3.41% |
| Q3 2024 | 14.26% | 1.02% | 0.01% | 0.05% | 3.28% |
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 |
|---|---|---|---|
| Templeton Savings Bank (main office) | Templeton , IA | 51463 | $109.0M |
| Templeton Savings Bank Branch | Manning , IA | 51455 | $32.9M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in IA, rank 173 of 261 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 4 loans, $218K approved, $54K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1996 (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 Templeton Savings Bank
What are Templeton Savings Bank's total assets?
As of the Q2 2026 filing, Templeton Savings Bank reported total assets of $169.6 million in its FFIEC call report.
Where is Templeton Savings Bank headquartered?
It is headquartered in Templeton, IA, United States.
When was Templeton Savings Bank founded?
It was established in 1923, per the FDIC institution directory.
Is Templeton Savings Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #969). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Templeton Savings Bank?
Templeton Savings Bank's primary federal regulator is the Federal Reserve.
How many branches does Templeton Savings 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 Templeton Savings Bank's Texas Ratio?
Its Texas Ratio is 0.02% 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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