TS Bank
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Data as of · sourced from FFIEC call reports. How we update
TS Bank is an FDIC-insured commercial bank headquartered in Treynor, IA, established in 1923 (FDIC certificate 14812), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $432.7M, down 6.5% from Q2 2025, the 75th largest of 225 banks headquartered in Iowa. Its CET1 capital ratio was 12.81% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 14812
- Headquarters
- Treynor, IA
- Established
- 1923
- Total assets, Q2 2026
- $432.7M
- Assets vs Q2 2025
- -6.5%
- CET1 ratio, Q2 2026
- 12.81%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 073920447
- Latest call report
- Q2 2026, FFIEC 051 · TS Bank call report
- Holding company
- TS BANKING GROUP, INC.
- Asset rank in state
- 75th of 225 in Iowa
Problem loans are rising at TS Bank. It reported $433 million in assets at June 30, 2026, down 6.5% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.41% of loans from 0.38% a year earlier. It earns about $0.25 a year on every $100 of assets, a small fraction of the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 90 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
Earnings fell sharply: quarterly net income of $275,000 was 62% below a year earlier. Over the same year, loans grew 6.6% and deposits shrank 10.1%. Its margin is thin by comparison: it keeps 2.67 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 3.95 cents).
As of June 30, 2026, TS Bank reported a CET1 capital ratio of 12.81%, a return on assets of 0.25%, a nonperforming-loan ratio of 1.41% and a Texas ratio of 11.64%. The figures come from its call report filed with the FFIEC.
TS Bank ranks as the 75th largest of the 225 banks based in Iowa, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 5.8% to $432.7M, loans fell 3.2% and deposits fell 4.8%. Farmland and other real estate loans made up 21.1% of its total loans on June 30, 2026, its largest category; next came commercial and industrial loans at 19.9%. The FDIC Summary of Deposits lists 7 offices for it, in 6 cities in IA; its Treynor office books 57% of its branch deposits. Judged on its Q2 2026 call report, TS Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 15 E Main St, Treynor, IA 51575
- County
- Pottawattamie
- Metro Area
- Omaha, NE-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
- June 1, 1923
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 88
- Domestic deposits
- $387.4M
- Allowance for credit losses
- $2.7M
- Net charge-offs (YTD)
- $10K
- Average total assets
- $436.6M
- Average total loans
- $241.0M
- Average interest-bearing deposits
- $350.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- October 16, 1934
- FDIC Cert
- 14812
- Fed RSSD
- 552545
- SEC CIK
- 1873063 → filed by TS BANKING GROUP, INC.
- Website
- www.tsbank.com →
- Parent Holding Company
- TS BANKING GROUP, INC. (RSSD 1207785)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, TS Bank's total assets ran between $411.1M (Q3 2023) and $465.6M (Q4 2024), and it earned a profit in 8 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$432.7M total assets against $462.8M; $406.8M total liabilities against $446.1M.
$231.8M net loans and leases against $217.7M; $387.4M total deposits against $431.1M.
$127.9M securities against $172.7M; $10.8M cash and balances due against $12.0M.
$5.2M total interest income against $5.3M; $2.7M total interest expense against $2.7M.
$2.5M net interest income against $2.6M.
$1.7M total noninterest income against $1.2M; $3.9M total noninterest expense against $2.8M.
-$92K provision for credit losses against $228K.
$275K net income against $727K.
0.25% return on assets against 0.65%; 2.67% net interest margin against 2.67%.
12.81% CET1 capital ratio against 10.57%; 10.61% tier 1 leverage ratio against 8.37%.
Inside the full TS Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeTS Bank rankings
Its closest position to the top of a national ranking is 500 of 3,640, for Texas Ratio; its furthest is 3,475 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -0.07% (Q4 2024) to 4.19% (Q1 2026) and its net interest margin ran from 2.61% (Q1 2025) to 2.71% (Q1 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.81% | 0.25% | 1.41% | 11.64% | 2.67% |
| Q1 2026 | 12.23% | 4.19% | 0.59% | 5.22% | 2.71% |
| Q4 2025 | 11.52% | 0.91% | 1.32% | 13.27% | 2.68% |
| Q3 2025 | 11.57% | 0.94% | 0.62% | 6.34% | 2.70% |
| Q2 2025 | 10.57% | 0.65% | 0.38% | 4.56% | 2.67% |
| Q1 2025 | 10.58% | 0.52% | 0.21% | 2.50% | 2.61% |
| Q4 2024 | 9.98% | -0.07% | 0.36% | 4.40% | 2.65% |
| Q3 2024 | 10.09% | -0.02% | 1.43% | 21.41% | 2.69% |
Swipe the table sideways to see every column.
Branch Network
View all 7 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 |
|---|---|---|---|
| TS Bank (main office) | Treynor , IA | 51575 | $222.3M |
| Corning Br | Corning , IA | 50841 | $71.7M |
| Treynor State Bank | Council Bluffs , IA | 51501 | $39.0M |
| Downtown Council Bluffs, Ia | Council Bluffs , IA | 51503 | $33.3M |
| TS Bank (main office) | Atlantic , IA | 50022 | $12.5M |
| Ames Branch | Ames , IA | 50010 | $7.0M |
| Macedonia Branch | Macedonia , IA | 51549 | $1.6M |
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 |
|---|---|---|---|
| August 1, 2016 | M&A | Acquired Okey-Vernon First National Bank merger for the acquired bank | SEC |
| August 1, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 1, 2016 | Structure Change | Acquired Okey-Vernon First National 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 3 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (Federal Reserve). These actions name the parent holding company, TS BANKING GROUP, INC., not the bank itself
- July 6, 2026, Federal Reserve: Written Agreement: TS Banking Group, Inc., Treynor, Iowa and TS Contrarian Bancshares, Inc., Treynor, Iowa
- Period: Most recent institution action July 6, 2026. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.3% of deposits in IA, rank 74 of 261 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 31 applications, 30 loans originated, $10.4M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 4 loans, $1.6M approved, $390K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2013 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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 TS Bank
What are TS Bank's total assets?
As of the Q2 2026 filing, TS Bank reported total assets of $432.7 million in its FFIEC call report.
Where is TS Bank headquartered?
It is headquartered in Treynor, IA, United States.
When was TS Bank founded?
It was established in 1923, per the FDIC institution directory.
Is TS Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #14812). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates TS Bank?
TS Bank's primary federal regulator is the FDIC.
What is TS Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.81% in its Q2 2026 call report, above regulatory requirements.
How many branches does TS Bank operate?
It operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is TS Bank's Texas Ratio?
Its Texas Ratio is 11.64% 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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