Trubank
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Data as of · sourced from FFIEC call reports. How we update
Trubank is an FDIC-insured commercial bank headquartered in Indianola, IA, established in 1883 (FDIC certificate 25267), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $494.6M, up 3.8% from Q2 2025, the 63rd largest of 225 banks headquartered in Iowa. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.23% 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
- 25267
- Headquarters
- Indianola, IA
- Established
- 1883
- Total assets, Q2 2026
- $494.6M
- Assets vs Q2 2025
- +3.8%
- Tier 1 leverage ratio, Q2 2026
- 9.23%
- Domestic offices
- 8 FDIC institution directory, current count
- Routing number
- 073914369
- Latest call report
- Q2 2026, FFIEC 051 · Trubank call report
- Holding company
- COMMUNITY BANCSHARES CORP.
- Asset rank in state
- 63rd of 225 in Iowa
Trubank operates with a thinner capital cushion than most banks of its size. It reported $495 million in assets at June 30, 2026, up 3.8% from a year earlier. It funds 9.23% of its assets with Tier 1 capital, lower than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 10.99%). It also carries problem assets equal to 11.2% of the capital and reserves that would absorb them, 4.2 times the median of 2.6% for banks its size.
Its $34 million non-owner-occupied commercial real estate book is now fully current, after 5.35% of it was past due or on nonaccrual a year earlier. Earnings fell sharply: quarterly net income of $1.2 million was 40% below a year earlier.
As of June 30, 2026, Trubank reported a return on assets of 0.97%, a nonperforming-loan ratio of 1.33% and a Texas ratio of 11.17%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Trubank is the 63rd largest of the 225 banks headquartered in Iowa. From Q1 2026 to Q2 2026, its total assets rose 1.5% to $494.6M, loans rose 0.2% and deposits rose 1.6%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 20.8% of total loans, followed by owner-occupied commercial real estate loans at 18.1%. The FDIC Summary of Deposits lists 8 offices for it, in 7 cities in IA; its Indianola 2 offices book 49% of its branch deposits. On its Q2 2026 call report, Trubank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 1401 N Jefferson Way, Indianola, IA 50125
- County
- Warren
- Metro Area
- Des Moines-West Des Moines, IA
- 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, 1883
- Former names
- Community Bank (2007-2016); Community State Bank (1993-2007)
- Domestic offices
- 8 FDIC institution directory, current count
- Employees (FTE)
- 55
- Domestic deposits
- $366.1M
- Allowance for credit losses
- $3.6M
- Net charge-offs (YTD)
- $3K
- Average total assets
- $495.6M
- Average total loans
- $289.3M
- Average interest-bearing deposits
- $321.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 11, 1984
- FDIC Cert
- 25267
- Fed RSSD
- 862141
- Website
- WWW.TRUBANK.BANK →
- Parent Holding Company
- COMMUNITY BANCSHARES CORP. (RSSD 2048789)
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, Trubank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Trubank's total assets moved between a low of $416.2M (Q2 2024) and a high of $494.6M (Q2 2026) 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
$494.6M total assets against $476.5M; $448.2M total liabilities against $433.3M.
$285.4M net loans and leases against $283.7M; $366.1M total deposits against $343.9M.
$125.0M securities against $113.2M; $49.5M cash and balances due against $48.0M.
$6.4M total interest income against $6.1M; $2.2M total interest expense against $2.2M.
$4.2M net interest income against $3.9M.
$356K total noninterest income against $1.1M; $2.6M total noninterest expense against $2.4M.
$135K provision for credit losses against $135K.
$1.2M net income against $2.0M.
0.97% return on assets against 1.71%; 3.65% net interest margin against 3.58%.
9.23% tier 1 leverage ratio against 9.32%.
Inside the full Trubank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeTrubank rankings
Its closest position to the top of a national ranking is 536 of 3,640, for Texas Ratio; its furthest is 2,583 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.72% (Q3 2024) to 1.71% (Q2 2025) and its net interest margin ran from 3.18% (Q3 2024) to 3.82% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.23% | 0.97% | 1.33% | 11.17% | 3.65% |
| Q1 2026 | 9.32% | 1.20% | 1.43% | 14.57% | 3.68% |
| Q4 2025 | 9.10% | 1.10% | 1.41% | 15.44% | 3.62% |
| Q3 2025 | 9.54% | 1.27% | 1.61% | 10.37% | 3.82% |
| Q2 2025 | 9.32% | 1.71% | 1.93% | 13.19% | 3.58% |
| Q1 2025 | 9.32% | 0.93% | 1.36% | 9.81% | 3.30% |
| Q4 2024 | 9.58% | 1.01% | 0.59% | 4.65% | 3.40% |
| Q3 2024 | 9.98% | 0.72% | 0.64% | 4.11% | 3.18% |
Swipe the table sideways to see every column.
Branch Network
View all 8 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 |
|---|---|---|---|
| Trubank (main office) | Indianola , IA | 50125 | $173.4M |
| Oskaloosa Branch | Oskaloosa , IA | 52577 | $71.1M |
| Newton Branch | Newton , IA | 50208 | $42.8M |
| Galleria Branch | West Des Moines , IA | 50266 | $19.9M |
| Fort Des Mones Community Branch | Des Moines , IA | 50315 | $19.2M |
| Norwalk Branch | Norwalk , IA | 50211 | $18.4M |
| What Cheer Branch | What Cheer , IA | 50268 | $14.3M |
| West Roads Branch | Indianola , IA | 50125 | $7.0M |
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 |
|---|---|---|---|
| December 1, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 1, 2016 | Structure Change | Acquired TruBank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 15, 2005 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 15, 2005 | Structure Change | Acquired Fort Des Moines Community Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in IA, rank 80 of 261 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 92 applications, 71 loans originated, $11.4M originated, across 2 states
- Period: Calendar year 2018. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 4 loans, $3.8M approved, $944K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 Trubank
What are Trubank's total assets?
As of the Q2 2026 filing, Trubank reported total assets of $494.6 million in its FFIEC call report.
Where is Trubank headquartered?
It is headquartered in Indianola, IA, United States.
When was Trubank founded?
It was established in 1883, per the FDIC institution directory.
Is Trubank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #25267). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Trubank?
Trubank's primary federal regulator is the FDIC.
How many branches does Trubank operate?
It operates 8 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Trubank's Texas Ratio?
Its Texas Ratio is 11.17% 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.
What was Trubank previously called?
The charter now named Trubank has also operated as Community Bank (2007-2016), Community State Bank (1993-2007), per FDIC structure-change records.
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