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Financial strength ranking · Iowa · Call Report data as of Q2 2026

Best Banks in Iowa by Financial Strength

United Bank and Trust Company ranks first among the 192 banks headquartered in Iowa we score, with a financial strength score of 90.6 out of 100 as of June 30, 2026. The score averages each bank's national percentile on four Call Report ratios: return on assets, efficiency ratio, Tier 1 leverage ratio and nonperforming assets ratio.

Ranked first
United Bank and Trust Company
Its score
90.6 of 100
Banks scored in Iowa
192
Its return on assets
2.09%

The 100 highest scoring banks in Iowa

Select a column heading to sort. Score is 0 to 100, where 100 would be the best US bank on all four ratios; ratios for Q2 2026.

Banks headquartered in Iowa ranked by financial strength score, with total assets, return on assets, efficiency ratio, Tier 1 leverage ratio and nonperforming assets ratio.
1 United Bank and Trust Company Hampton 90.6 2.09% 36.59% 14.83% 0.00% $228.4M
2 First State Bank Britt 86.8 1.52% 37.08% 17.71% 0.00% $125.9M
3 Farmers Trust and Savings Bank Williamsburg 85.4 2.86% 36.04% 23.08% 0.30% $191.6M
4 Bellevue State Bank Bellevue 84.7 2.15% 33.97% 14.32% 0.11% $187.7M
5 Farmers State Bank Marion 83.9 2.63% 41.28% 14.37% 0.17% $1.12B
6 Iowa State Bank Des Moines 83.6 2.14% 56.26% 15.92% 0.00% $480.5M
7 Security Savings Bank Gowrie 83.0 2.26% 47.97% 13.17% 0.03% $193.7M
8 Cedar Rapids Bank and Trust Company Cedar Rapids 82.8 3.00% 36.21% 16.94% 0.38% $2.90B
9 Citizens First National Bank Storm Lake 82.8 2.36% 55.17% 15.87% 0.02% $256.5M
10 FNB Bank Fontanelle 81.5 1.99% 52.62% 14.48% 0.01% $274.6M
11 Citizens State Bank Sheldon 81.4 1.70% 44.94% 12.45% 0.00% $194.7M
12 First Whitney Bank and Trust Atlantic 81.3 1.75% 36.38% 11.53% 0.00% $287.5M
13 Chelsea Savings Bank Belle Plaine 81.3 1.67% 42.65% 16.01% 0.10% $196.9M
14 Templeton Savings Bank Templeton 81.2 1.58% 46.54% 14.50% 0.00% $169.6M
15 New Albin Savings Bank New Albin 78.9 1.06% 31.89% 15.53% 0.00% $350.6M
16 Hills Bank and Trust Company Hills 77.9 2.26% 42.51% 13.36% 0.31% $4.79B
17 American State Bank Osceola 77.3 2.22% 47.54% 11.11% 0.03% $360.8M
18 First Citizens Bank Mason City 77.0 2.22% 44.23% 11.96% 0.18% $1.80B
19 Citizens State Bank Wyoming 77.0 1.68% 52.29% 17.93% 0.14% $137.7M
20 Iowa Trust and Savings Bank Centerville 76.9 1.66% 53.24% 13.46% 0.01% $210.6M
21 Iowa State Bank Hull 76.6 1.67% 41.66% 11.72% 0.04% $1.26B
22 Waukon State Bank Waukon 76.2 1.92% 45.64% 10.44% 0.00% $426.9M
23 American Bank, N.A. Le Mars 75.9 2.02% 46.55% 10.68% 0.00% $533.0M
24 Charter Bank Johnston 75.3 1.73% 49.27% 11.03% 0.00% $227.5M
25 Atkins Savings Bank & Trust Atkins 75.1 1.43% 37.98% 11.91% 0.03% $172.2M
26 Breda Savings Bank Breda 75.1 1.55% 42.32% 10.88% 0.00% $106.0M
27 Blue Grass Savings Bank Blue Grass 74.6 1.47% 44.09% 14.30% 0.17% $225.5M
28 Bank 1st West Union 74.2 1.42% 55.90% 15.20% 0.00% $166.1M
29 Corydon State Bank Corydon 74.2 2.28% 22.17% 25.75% 1.64% $138.0M
30 Security State Bank Sutherland 74.0 2.63% 27.67% 11.13% 0.34% $492.3M
31 Audubon State Bank Audubon 73.7 2.50% 39.20% 10.46% 0.16% $155.3M
32 Security State Bank Algona 73.3 2.39% 40.56% 27.26% 1.65% $109.8M
33 Central State Bank Coralville 72.7 2.12% 49.14% 10.27% 0.01% $419.3M
34 The Security National Bank of Sioux City, Iowa Sioux City 72.4 1.81% 52.06% 12.79% 0.18% $1.69B
35 Liberty Trust & Savings Bank Durant 72.3 1.60% 47.25% 20.65% 0.49% $186.2M
36 Glenwood State Bank Glenwood 71.7 2.31% 37.33% 12.45% 0.71% $352.9M
37 Farmers State Bank Waterloo 71.5 1.52% 48.49% 11.20% 0.01% $1.60B
38 Crawford County Trust and Savings Bank Denison 69.4 1.88% 47.99% 9.93% 0.02% $294.5M
39 Pioneer Bank Sergeant Bluff 68.6 1.73% 49.94% 10.56% 0.07% $282.8M
40 West Bank West Des Moines 68.5 1.19% 45.46% 10.79% 0.00% $4.03B
41 First Central State Bank De Witt 68.3 1.42% 51.79% 13.39% 0.21% $772.4M
42 First State Bank Lynnville 68.3 2.21% 42.95% 9.77% 0.16% $384.2M
43 Mount Vernon Bank and Trust Company Mount Vernon 68.2 1.28% 49.38% 13.03% 0.15% $195.5M
44 Maquoketa State Bank Maquoketa 68.0 1.41% 54.30% 16.45% 0.29% $429.0M
45 First Bank Waverly 67.1 1.60% 47.03% 12.72% 0.45% $739.9M
46 Pinnacle Bank Marshalltown 67.1 1.81% 41.20% 14.66% 1.42% $324.4M
47 The Readlyn Savings Bank Readlyn 66.8 1.67% 41.45% 19.30% 1.97% $148.3M
48 Rolling Hills Bank & Trust Atlantic 66.6 1.49% 49.14% 11.85% 0.23% $484.4M
49 Cherokee State Bank Cherokee 66.6 1.16% 59.09% 13.03% 0.00% $271.1M
50 Pilot Grove Savings Bank Pilot Grove 66.5 2.19% 39.74% 8.82% 0.10% $1.22B
51 Farmers Trust & Savings Bank Earling 66.5 1.86% 49.99% 9.00% 0.00% $148.1M
52 Marion County State Bank Pella 66.0 1.97% 47.55% 10.41% 0.27% $628.6M
53 Northeast Security Bank Sumner 65.6 1.21% 51.68% 10.77% 0.00% $461.9M
54 Midstates Bank, N.A. Council Bluffs 65.5 1.57% 53.08% 11.60% 0.19% $653.9M
55 Farmers & Merchants State Bank Winterset 65.5 1.29% 53.40% 10.68% 0.00% $271.7M
56 White State Bank South English 65.4 1.72% 42.60% 11.16% 0.46% $109.0M
57 Heartland Bank Somers 65.1 1.93% 53.74% 13.23% 0.68% $256.1M
58 Farmers & Merchants Savings Bank Iowa City 65.1 1.07% 60.62% 13.62% 0.00% $122.5M
59 West Iowa Bank West Bend 64.8 1.11% 53.64% 11.89% 0.01% $222.1M
60 Bridge Community Bank Mount Vernon 64.8 1.21% 45.84% 10.49% 0.02% $141.1M
61 Clear Lake Bank and Trust Company Clear Lake 63.9 2.07% 52.14% 8.53% 0.00% $649.3M
62 Farmers Savings Bank Marshalltown 63.9 1.53% 58.78% 16.51% 0.42% $140.3M
63 Washington State Bank Washington 63.8 1.32% 43.16% 12.48% 0.46% $601.1M
64 Savings Bank Primghar 63.7 1.47% 48.90% 13.60% 0.65% $304.8M
65 Quad City Bank and Trust Company Bettendorf 63.3 1.60% 47.81% 11.01% 0.35% $2.77B
66 Community State Bank Ankeny 63.2 1.33% 54.07% 11.67% 0.14% $1.75B
67 Success Bank Bloomfield 63.1 1.55% 56.93% 12.22% 0.25% $277.1M
68 Exchange State Bank Ames 62.9 1.91% 43.11% 11.17% 0.84% $146.0M
69 Freedom Financial Bank West Des Moines 62.8 1.45% 50.19% 9.30% 0.00% $269.3M
70 Houghton State Bank Red Oak 62.6 1.73% 49.75% 15.41% 1.85% $204.9M
71 Peoples Bank Rock Valley 62.5 2.17% 46.21% 10.73% 0.76% $1.25B
72 Citizens Savings Bank Spillville 62.3 0.60% 56.27% 15.54% 0.02% $151.1M
73 Community Bank Dunlap 62.2 1.49% 52.91% 10.99% 0.20% $138.3M
74 Green Belt Bank & Trust Iowa Falls 61.9 1.74% 52.26% 9.18% 0.03% $758.7M
75 First State Bank Webster City 61.9 1.33% 60.43% 12.40% 0.09% $674.3M
76 Sibley State Bank Sibley 61.9 1.53% 51.30% 11.03% 0.29% $104.4M
77 Midwest Heritage Bank, FSB West Des Moines 61.7 2.43% 55.69% 12.82% 1.23% $768.3M
78 State Savings Bank Bedford 61.5 1.99% 35.64% 10.04% 0.66% $207.2M
79 Cusb Bank Cresco 61.3 1.59% 52.97% 12.27% 0.56% $812.1M
80 Liberty National Bank Sioux City 61.2 1.21% 55.23% 10.31% 0.00% $624.4M
81 Farmers State Bank Algona 61.1 1.74% 55.76% 12.70% 0.67% $150.5M
82 South Ottumwa Savings Bank Ottumwa 61.0 1.42% 54.18% 13.00% 0.48% $565.4M
83 American State Bank Sioux Center 60.6 1.64% 44.23% 10.81% 0.60% $1.45B
84 Primebank Le Mars 60.5 2.25% 42.46% 10.99% 1.72% $800.6M
85 Farmers Trust & Savings Bank Buffalo Center 60.5 1.71% 57.45% 9.91% 0.05% $422.7M
86 GNB Bank Grundy Center 60.4 1.84% 59.95% 12.22% 0.45% $621.3M
87 Iowa State Bank Algona 60.4 1.24% 54.82% 11.17% 0.10% $470.7M
88 Ohnward Bank & Trust Cascade 59.9 1.39% 53.96% 12.58% 0.47% $499.1M
89 First State Bank Stuart 59.5 1.16% 62.01% 11.95% 0.01% $129.7M
90 First Bank Hampton Hampton 59.4 1.33% 46.59% 11.61% 0.55% $240.9M
91 Maynard Savings Bank Maynard 59.2 1.30% 53.30% 15.08% 0.78% $108.4M
92 Leighton State Bank Pella 59.0 1.91% 54.50% 10.99% 0.59% $298.2M
93 Decorah Bank and Trust Company Decorah 58.7 1.81% 53.15% 10.41% 0.41% $794.1M
94 Hiawatha Bank & Trust Company Hiawatha 58.7 1.46% 55.50% 10.98% 0.25% $156.9M
95 Principal Bank Des Moines 58.6 1.59% 37.67% 7.13% 0.13% $9.84B
96 Connection Bank Fort Madison 58.3 1.75% 54.51% 9.98% 0.25% $540.9M
97 Mediapolis Savings Bank Mediapolis 58.3 1.67% 53.33% 10.20% 0.31% $269.9M
98 Farmers Savings Bank & Trust Traer 57.9 1.31% 61.64% 10.25% 0.00% $212.7M
99 Union State Bank Greenfield 57.3 1.68% 45.51% 9.28% 0.33% $168.7M
100 First Iowa State Bank Albia 56.9 2.28% 44.32% 10.20% 1.57% $396.1M

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How the score works

Each bank gets a percentile on each of four ratios, measured against every US bank that filed a Call Report for the quarter and turned so that higher is always better: 100 is the best bank in the country on that ratio and 0 the weakest. The score is the plain average of the four percentiles; 3,583 banks nationwide are scored.

A bank is scored when it is ranked on all four of those leaderboards: at least $100 million in total assets, open, a lending institution, and a quarter not driven by gains or losses on equity securities. Banks are listed by headquarters state.

Frequently asked questions

What is the best bank in Iowa?

By our financial strength score, United Bank and Trust Company of Hampton ranks first among the 192 scored banks headquartered in Iowa, scoring 90.6 out of 100 for Q2 2026: return on assets of 2.09%, an efficiency ratio of 36.59%, a Tier 1 leverage ratio of 14.83% and nonperforming assets of 0.00% of total assets. First State Bank and Farmers Trust and Savings Bank rank second and third.

How are the best banks in Iowa ranked?

Each bank is placed on four Call Report ratios against every US bank that filed for the quarter: return on assets and the Tier 1 leverage ratio, where higher is better, and the efficiency ratio and the nonperforming assets ratio, where lower is better. Each placement is a percentile from 0 to 100, and the score is their average. Only banks with at least $100 million in assets that are ranked on all four ratios are scored, 3,583 banks nationwide.

Does this ranking say which bank I should open an account with?

No. The score reads only what a bank files with its regulators: earnings, cost control, capital and problem assets. It does not measure deposit rates, fees, branches, apps or service, which matter most when choosing a bank for an account, and it is not a safety rating. FDIC insurance protects deposits at insured banks up to the legal limit regardless of a bank's score.

Best banks in other states

More in Iowa

Largest banks in Iowa Bank deposits in Iowa Largest credit unions in Iowa Return on assets ranking Efficiency ratio ranking Tier 1 leverage ratio ranking Nonperforming assets ratio ranking All rankings

Source: FFIEC Call Reports for Q2 2026, refreshed as each quarter's filings are processed. A ranking is not a safety rating: FDIC insurance covers deposits at insured banks up to the legal limit, whatever the score. Check your coverage with the FDIC insurance calculator.