Asset Quality ranking · Iowa · Call report data as of September 30, 2026
Iowa Banks: Highest CRE Delinquency
Solon State Bank has the highest commercial real estate noncurrent rate of the 111 ranked banks headquartered in Iowa, at 17.65% as of September 30, 2026. The median among the 111 ranked Iowa banks is 0.09%, against 0.19% for all US banks. That top value sits far outside the middle half of ranked banks (0.00% to 1.02%). A rate this far from the middle usually comes from a few large problem loans or from lending to borrowers with lower credit scores, so read it beside the bank's dollar amounts and its trend.
This list ranks Iowa banks by commercial real estate noncurrent rate. For the largest banks headquartered in Iowa, see largest banks in Iowa.
- No. 1 in Iowa
- Solon State Bank
- Its CRE noncurrent
- 17.65%
- Iowa median
- 0.09%
- Banks ranked
- 111
Ranked among banks headquartered in Iowa, numbered 1 to 100 within the state from the same population as the national list. Browse every bank in the Iowa bank directory.
Top 100 Iowa banks by commercial real estate noncurrent rate
Highest first. Select a column heading to sort. The gap column shows each bank's distance from the Iowa median of 0.09%. Missing values show as a dash and sort last.
| 1 | Solon State Bank Solon, IA | 17.65% | $117.7M $100M to $1B |
| 2 | Citizens State Bank Monticello, IA | 7.90% | $586.2M $100M to $1B |
| 3 | Lincoln Savings Bank Reinbeck, IA | 7.90% | $1.74B $1B to $10B |
| 4 | Farmers & Merchants Savings Bank Manchester, IA | 7.64% | $620.8M $100M to $1B |
| 5 | Farmers Savings Bank Fostoria, IA | 6.63% | $216.4M $100M to $1B |
| 6 | Hardin County Savings Bank Eldora, IA | 5.39% | $415.7M $100M to $1B |
| 7 | Central State Bank Coralville, IA | 4.89% | $414.7M $100M to $1B |
| 8 | Dewitt Bank & Trust Co. De Witt, IA | 4.76% | $291.4M $100M to $1B |
| 9 | Home State Bank Jefferson, IA | 4.45% | $484.2M $100M to $1B |
| 10 | First National Bank Ames, Iowa Ames, IA | 3.57% | $1.06B $1B to $10B |
| 11 | Bank Wapello, IA | 2.91% | $212.6M $100M to $1B |
| 12 | Midwest Heritage Bank, FSB West Des Moines, IA | 2.83% | $746.4M $100M to $1B |
| 13 | Citizens First Bank Clinton, IA | 2.74% | $360.6M $100M to $1B |
| 14 | Glenwood State Bank Glenwood, IA | 2.45% | $364.6M $100M to $1B |
| 15 | First Citizens Bank Mason City, IA | 2.24% | $1.88B $1B to $10B |
| 16 | State Bank & Trust Co. Nevada, IA | 1.86% | $192.7M $100M to $1B |
| 17 | Washington State Bank Washington, IA | 1.78% | $609.1M $100M to $1B |
| 18 | Ohnward Bank & Trust Cascade, IA | 1.74% | $503.4M $100M to $1B |
| 19 | Fidelity Bank & Trust Dubuque, IA | 1.65% | $2.61B $1B to $10B |
| 20 | First Central State Bank De Witt, IA | 1.60% | $751.0M $100M to $1B |
| 21 | Decorah Bank and Trust Company Decorah, IA | 1.59% | $782.1M $100M to $1B |
| 22 | Fairfax State Savings Bank Fairfax, IA | 1.51% | $286.8M $100M to $1B |
| 23 | Visionbank of Iowa Ames, IA | 1.39% | $901.3M $100M to $1B |
| 24 | The Clinton National Bank Clinton, IA | 1.35% | $422.7M $100M to $1B |
| 25 | Libertyville Savings Bank Fairfield, IA | 1.31% | $380.0M $100M to $1B |
| 26 | American State Bank Sioux Center, IA | 1.24% | $1.44B $1B to $10B |
| 27 | Farmers Trust and Savings Bank Spencer, IA | 1.11% | $654.6M $100M to $1B |
| 28 | Manufacturers Bank & Trust Company Forest City, IA | 1.03% | $717.2M $100M to $1B |
| 29 | Leighton State Bank Pella, IA | 1.00% | $288.9M $100M to $1B |
| 30 | First Security Bank and Trust Company Charles City, IA | 0.96% | $534.1M $100M to $1B |
| 31 | NSB Bank Mason City, IA | 0.90% | $463.8M $100M to $1B |
| 32 | Bank Midwest Spirit Lake, IA | 0.78% | $1.32B $1B to $10B |
| 33 | TS Bank Treynor, IA | 0.70% | $428.6M $100M to $1B |
| 34 | Bankers Trust Company Des Moines, IA | 0.67% | $7.68B $1B to $10B |
| 35 | Marion County State Bank Pella, IA | 0.64% | $637.5M $100M to $1B |
| 36 | Community Savings Bank Edgewood, IA | 0.61% | $611.8M $100M to $1B |
| 37 | Shelby County State Bank Harlan, IA | 0.60% | $518.4M $100M to $1B |
| 38 | Iowa Trust & Savings Bank Emmetsburg, IA | 0.59% | $523.6M $100M to $1B |
| 39 | South Ottumwa Savings Bank Ottumwa, IA | 0.52% | $548.7M $100M to $1B |
| 40 | Farmers State Bank Marion, IA | 0.48% | $1.12B $1B to $10B |
| 41 | CBI Bank & Trust Muscatine, IA | 0.48% | $1.66B $1B to $10B |
| 42 | Availa Bank Carroll, IA | 0.46% | $1.70B $1B to $10B |
| 43 | Iowa State Bank Algona, IA | 0.46% | $474.3M $100M to $1B |
| 44 | Cedar Rapids Bank and Trust Company Cedar Rapids, IA | 0.40% | $3.03B $1B to $10B |
| 45 | Community State Bank Spencer, IA | 0.36% | $335.1M $100M to $1B |
| 46 | Rolling Hills Bank & Trust Atlantic, IA | 0.33% | $498.0M $100M to $1B |
| 47 | Connection Bank Fort Madison, IA | 0.31% | $567.5M $100M to $1B |
| 48 | Earlham Savings Bank West Des Moines, IA | 0.27% | $378.5M $100M to $1B |
| 49 | Iowa State Bank and Trust Company Fairfield, IA | 0.26% | $358.2M $100M to $1B |
| 50 | Hills Bank and Trust Company Hills, IA | 0.21% | $4.96B $1B to $10B |
| 51 | Central State Bank State Center, IA | 0.20% | $587.8M $100M to $1B |
| 52 | Pilot Grove Savings Bank Pilot Grove, IA | 0.19% | $1.25B $1B to $10B |
| 53 | American Bank and Trust Company, N.A. Davenport, IA | 0.19% | $484.7M $100M to $1B |
| 54 | South Story Bank & Trust Slater, IA | 0.19% | $630.9M $100M to $1B |
| 55 | Premier Bank Dubuque, IA | 0.16% | $347.6M $100M to $1B |
| 56 | City State Bank Norwalk, IA | 0.09% | $793.6M $100M to $1B |
| 57 | United Bank of Iowa Ida Grove, IA | 0.06% | $2.53B $1B to $10B |
| 58 | Iowa State Bank Des Moines, IA | 0.05% | $454.4M $100M to $1B |
| 59 | The Security National Bank of Sioux City, Iowa Sioux City, IA | 0.05% | $1.73B $1B to $10B |
| 60 | Cusb Bank Cresco, IA | 0.04% | $804.3M $100M to $1B |
| 61 | Northwest Bank Spencer, IA | 0.03% | $3.03B $1B to $10B |
| 62 | Central Bank Storm Lake, IA | 0.02% | $2.31B $1B to $10B |
| 63 | Peoples Bank Rock Valley, IA | 0.02% | $1.26B $1B to $10B |
| 64 | Iowa State Bank Hull, IA | 0.01% | $1.24B $1B to $10B |
| 65 | Clear Lake Bank and Trust Company Clear Lake, IA | 0.01% | $642.1M $100M to $1B |
| 66 | West Bank West Des Moines, IA | 0.00% | $3.89B $1B to $10B |
| 67 | Quad City Bank and Trust Company Bettendorf, IA | 0.00% | $2.70B $1B to $10B |
| 68 | Bank Iowa West Des Moines, IA | 0.00% | $2.44B $1B to $10B |
| 69 | Luana Savings Bank Luana, IA | 0.00% | $2.36B $1B to $10B |
| 70 | Community State Bank Ankeny, IA | 0.00% | $1.78B $1B to $10B |
| 71 | Farmers State Bank Waterloo, IA | 0.00% | $1.62B $1B to $10B |
| 72 | Capra Bank Dubuque, IA | 0.00% | $1.54B $1B to $10B |
| 73 | Bankiowa Cedar Rapids, IA | 0.00% | $847.6M $100M to $1B |
| 74 | First State Bank Webster City, IA | 0.00% | $838.0M $100M to $1B |
| 75 | Premier Bank Rock Valley, IA | 0.00% | $834.9M $100M to $1B |
| 76 | Primebank Le Mars, IA | 0.00% | $814.8M $100M to $1B |
| 77 | Green Belt Bank & Trust Iowa Falls, IA | 0.00% | $769.5M $100M to $1B |
| 78 | First Bank Waverly, IA | 0.00% | $734.3M $100M to $1B |
| 79 | Peoples Savings Bank Indianola, IA | 0.00% | $648.1M $100M to $1B |
| 80 | Midstates Bank, N.A. Council Bluffs, IA | 0.00% | $629.4M $100M to $1B |
| 81 | Liberty National Bank Sioux City, IA | 0.00% | $619.8M $100M to $1B |
| 82 | GNB Bank Grundy Center, IA | 0.00% | $599.4M $100M to $1B |
| 83 | American Bank, N.A. Le Mars, IA | 0.00% | $544.5M $100M to $1B |
| 84 | Peoples Bank Clive, IA | 0.00% | $522.8M $100M to $1B |
| 85 | Trubank Indianola, IA | 0.00% | $495.3M $100M to $1B |
| 86 | Grinnell State Bank Grinnell, IA | 0.00% | $488.4M $100M to $1B |
| 87 | Raccoon Valley Bank Perry, IA | 0.00% | $468.4M $100M to $1B |
| 88 | Northeast Security Bank Sumner, IA | 0.00% | $455.7M $100M to $1B |
| 89 | Freedombank Elkader, IA | 0.00% | $455.6M $100M to $1B |
| 90 | Waukon State Bank Waukon, IA | 0.00% | $437.6M $100M to $1B |
| 91 | First Iowa State Bank Albia, IA | 0.00% | $390.6M $100M to $1B |
| 92 | American State Bank Osceola, IA | 0.00% | $360.7M $100M to $1B |
| 93 | Commercial Savings Bank Carroll, IA | 0.00% | $355.0M $100M to $1B |
| 94 | Kerndt Brothers Savings Bank Lansing, IA | 0.00% | $343.9M $100M to $1B |
| 95 | PCSB Bank Clarinda, IA | 0.00% | $318.0M $100M to $1B |
| 96 | Pinnacle Bank Marshalltown, IA | 0.00% | $316.0M $100M to $1B |
| 97 | Community Bank & Trust Company Muscatine, IA | 0.00% | $301.8M $100M to $1B |
| 98 | Pioneer Bank Sergeant Bluff, IA | 0.00% | $293.2M $100M to $1B |
| 99 | State Savings Bank West Des Moines, IA | 0.00% | $289.9M $100M to $1B |
| 100 | United Community Bank Milford, IA | 0.00% | $285.2M $100M to $1B |
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Definition and formula
The commercial real estate (CRE) noncurrent rate on this list is the share of a bank's loans secured by nonfarm nonresidential property, such as offices, stores, warehouses and hotels, that are on nonaccrual or 90 or more days past due and still accruing. Owner-occupied and investor-owned property are both included. Multifamily and construction loans are reported on their own lines of the call report and are not.
CRE noncurrent rate = (Nonfarm nonresidential loans on nonaccrual + Nonfarm nonresidential loans 90+ days past due and still accruing) / Nonfarm nonresidential loans
The glossary entry for Commercial Real Estate Loans explains each term, the call report items behind it and a worked example.
Which banks are ranked
This list ranks the 111 banks headquartered in Iowa that meet every rule below, using each bank's latest FFIEC call report (data as of September 30, 2026).
- Banks with at least $100M in total assets, so a ratio on a very small balance sheet cannot lead the list.
- Banks with at least $25M in nonfarm nonresidential (commercial property) loans, so a rate on a few loans cannot lead the list.
- Lending institutions only: charters with loans under 5% of assets, mostly trust and custody banks, are not ranked.
- Charters the regulator has closed, merged or converted are excluded.
- Each bank charter ranks on its own; holding companies are not combined.
What moves the CRE noncurrent rate
The rate rises when tenants leave or rents fall far enough that a property's income no longer covers its loan payments, as has happened to many office buildings since 2020, and when a maturing loan cannot be refinanced at current rates. Owner-occupied loans depend more on the borrower's business than on the building, so a bank whose book is mostly owner-occupied tends to run a lower rate. A single large loan can move a small bank's rate by several points, so compare it with the dollar amounts and the trend.
Frequently asked questions
Which bank in Iowa has the highest commercial real estate noncurrent rate?
Solon State Bank has the highest commercial real estate noncurrent rate of the 111 ranked banks headquartered in Iowa, at 17.65% as of September 30, 2026, according to its FFIEC call report. Citizens State Bank ranks second at 7.90%. The median is 0.09%.
What is the median CRE noncurrent rate among ranked US banks?
As of Q3 2026, CRE noncurrent rate for the middle half of the 2,776 ranked US banks ran from 0.00% to 1.05%, and the median was 0.19%. Compare a bank with peers of the same size and business model rather than with the top of this list. See the Commercial Real Estate Loans glossary entry.
How is the CRE noncurrent rate calculated?
CRE noncurrent rate = (Nonfarm nonresidential loans on nonaccrual + Nonfarm nonresidential loans 90+ days past due and still accruing) / Nonfarm nonresidential loans. Each bank charter is ranked on its own; holding companies are not combined. See the Commercial Real Estate Loans glossary entry.
The same ranking in other states
Other Iowa rankings
More asset quality rankings
Source: FFIEC call reports for the quarter ended September 30, 2026, refreshed as each quarter's filings are processed. See data updates for the current freshness window. Next update: Q4 2026 Call Reports are due February 1, 2027; we expect them on the platform by mid-February 2027.
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