Bank Iowa: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Bank Iowa is the primary bank subsidiary of its parent holding company, headquartered in West Des Moines, IA. On its most recent Q2 2026 call report, Bank Iowa reported $2.3B in total assets against $2.0B in deposits. Profitability is strong, 1.32% ROA, paired with 16.23% ROE and a 3.67% net interest margin. Capital cushions are healthy: 10.87% CET1, 8.94% Tier 1 leverage. Credit metrics are in line with industry norms, 1.35% NPL ratio. Its footprint covers 25 branches concentrated in Iowa.
As of June 30, 2026, Bank Iowa reported a CET1 capital ratio of 10.87%, a return on assets of 1.32%, a nonperforming-loan ratio of 1.35%, a Texas ratio of 11.95%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 1225 Jordan Creek Pkwy, West Des Moines, IA 50266
- County
- Dallas
- Metro Area
- Des Moines-West Des Moines, 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 041
- Established
- March 7, 1923
- Offices
- 25 domestic
- Employees (FTE)
- 281
- Domestic deposits
- $1.97B
- Allowance for credit losses
- $24.3M
- Net charge-offs (YTD)
- $643K
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- June 28, 1934
- FDIC Cert
- 14521
- Fed RSSD
- 187947
- SEC CIK
- 2152603 → filed by BANK IOWA CORPORATION
- Website
- www.bankiowa.bank →
- Parent Holding Company
- BANK IOWA CORPORATION (RSSD 1202762)
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Bank Iowa terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Bank Iowa, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Bank Iowa rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.87% | 1.32% | 1.35% | 11.95% | 3.67% |
| Q1 2026 | 10.49% | 1.24% | 1.57% | 13.86% | 3.55% |
| Q4 2025 | 10.55% | 1.25% | 1.37% | 12.22% | 3.48% |
| Q3 2025 | 10.49% | 1.19% | 1.43% | 12.72% | 3.37% |
| Q2 2025 | 10.63% | 1.04% | 1.71% | 15.75% | 3.25% |
| Q1 2025 | 10.60% | 1.21% | 1.57% | 14.72% | 3.33% |
| Q4 2024 | 10.30% | 0.94% | 1.42% | 14.08% | 2.97% |
| Q3 2024 | 10.63% | 1.31% | 0.26% | 2.54% | 3.23% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 25 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| West Des Moines Branch | West Des Moines , IA | 50266 | $242.6M |
| Bank Iowa Humboldt Branch | Humboldt , IA | 50548 | $204.8M |
| Lawler Branch | Lawler , IA | 52154 | $166.4M |
| Clarinda Branch | Clarinda , IA | 51632 | $159.4M |
| Bank Iowa Red Oak Branch | Red Oak , IA | 51566 | $131.5M |
| Bank Iowa Denison Branch | Denison , IA | 51442 | $129.9M |
| Bank Iowa Oskaloosa Branch | Oskaloosa , IA | 52577 | $123.2M |
| Shenandoah West Branch | Shenandoah , IA | 51601 | $102.4M |
| Bank Iowa Altoona Branch | Altoona , IA | 50009 | $101.4M |
| Newton Branch | Newton , IA | 50208 | $94.9M |
| Bank Iowa New Hampton Branch | New Hampton , IA | 50659 | $68.4M |
| Colfax Branch | Colfax , IA | 50054 | $64.7M |
| Johnston Branch | Johnston , IA | 50131 | $60.0M |
| Villisca Branch | Villisca , IA | 50864 | $44.5M |
| Pella Branch | Pella , IA | 50219 | $44.0M |
| Waucoma Branch | Waucoma , IA | 52171 | $39.6M |
| Schleswig Branch | Schleswig , IA | 51461 | $39.5M |
| Fremont Branch | Fremont , IA | 52561 | $34.9M |
| Essex Branch | Essex , IA | 51638 | $30.6M |
| Fredericksburg Branch | Fredericksburg , IA | 50630 | $30.4M |
| Manilla Branch | Manilla , IA | 51454 | $29.2M |
| Clear Lake Branch | Clear Lake , IA | 50428 | $29.0M |
| Bank Iowa (main office) | West Des Moines , IA | 50266 | $0 |
| Humboldt Drive-Up | Humboldt , IA | 50548 | $0 |
| Drive-In Motor Bank Branch | Shenandoah , IA | 51601 | $0 |
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 2, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 2, 2019 | Structure Change | Acquired First State Bank of Colfax Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 31, 2011 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 31, 2011 | Structure Change | Acquired Bank Iowa Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 1995 | Structure Change | Acquired Citizens Investment Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 1, 1989 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 1, 1989 | Structure Change | Acquired The Nodaway Valley National Bank of Villisca 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 7 events.
Regulatory record
What the public regulatory sources show for Bank Iowa, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 1.5% of deposits in IA, rank 14 of 261 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 967 applications, 759 loans originated, $205.4M originated, across 16 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Bank Iowa
What are Bank Iowa's total assets?
As of the Q2 2026 filing, Bank Iowa reported total assets of $2.35 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Bank Iowa headquartered?
Bank Iowa is headquartered in West Des Moines, IA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Bank Iowa founded?
Bank Iowa was established in 1923, per the FDIC institution directory.
Is Bank Iowa FDIC-insured?
Yes. Bank Iowa is an FDIC-insured commercial bank (FDIC Certificate #14521). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank Iowa?
Bank Iowa's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Bank Iowa's CET1 capital ratio?
Bank Iowa reported a Common Equity Tier 1 (CET1) capital ratio of 10.87% in its Q2 2026 call report, above regulatory requirements.
How many branches does Bank Iowa operate?
Bank Iowa operates 25 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bank Iowa's Texas Ratio?
Bank Iowa's Texas Ratio is 11.95% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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