South Ottumwa Savings Bank: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
South Ottumwa Savings Bank is an FDIC-insured commercial bank. Total assets stand at $565M. Profitability is strong, 1.42% ROA, paired with 10.45% ROE and a 3.36% net interest margin. Regulatory capital is solid, 18.33% CET1 and 19.24% total risk-based capital ratio. Asset quality is pristine, 0.43% NPLs and a 3.99% Texas Ratio. It operates 6 branches, primarily in Iowa.
As of June 30, 2026, South Ottumwa Savings Bank reported a CET1 capital ratio of 18.33%, a return on assets of 1.42%, a nonperforming-loan ratio of 0.43%, a Texas ratio of 3.99%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 320 Church St, Ottumwa, IA 52501
- County
- Wapello
- Metro Area
- Ottumwa, 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, 1903
- Offices
- 6 domestic
- Employees (FTE)
- 70
- Domestic deposits
- $473.9M
- Allowance for credit losses
- $3.5M
- Net charge-offs (YTD)
- $45K
- Average total assets
- $559.3M
- Average total loans
- $324.2M
- Average interest-bearing deposits
- $356.2M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 9099
- Fed RSSD
- 75446
- Website
- www.sosb-ia.com →
- Parent Holding Company
- CORNERSTONE FINANCIAL SERVICES GROUP, INC. (RSSD 1142372)
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.
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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 | 18.33% | 1.42% | 0.43% | 3.99% | 3.36% |
| Q1 2026 | 18.22% | 1.35% | 0.25% | 2.34% | 3.41% |
| Q4 2025 | 18.30% | 1.24% | 0.24% | 1.25% | 3.46% |
| Q3 2025 | 17.80% | 1.37% | 0.55% | 2.99% | 3.33% |
| Q2 2025 | 17.46% | 1.41% | 0.74% | 4.43% | 3.19% |
| Q1 2025 | 16.98% | 0.91% | 0.58% | 4.57% | 2.96% |
| Q4 2024 | 16.79% | 0.78% | 0.60% | 4.14% | 2.89% |
| Q3 2024 | 17.39% | 0.67% | 0.30% | 1.82% | 2.78% |
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 6 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| South Ottumwa Savings Bank (main office) | Ottumwa , IA | 52501 | $286.8M |
| West Liberty State Bank Branch | West Liberty , IA | 52776 | $76.4M |
| 102 South Main Branch | Albia , IA | 52531 | $75.3M |
| North Court Branch | Ottumwa , IA | 52501 | $22.4M |
| Hedrick Branch | Hedrick , IA | 52563 | $13.0M |
| Albia Drive-Thru Branch | Albia , IA | 52531 | $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 |
|---|---|---|---|
| February 1, 2020 | Structure Change | Acquired Peoples State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 31, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2015 | Structure Change | Acquired West Liberty State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 30, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 17, 2011 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 17, 2011 | Structure Change | Acquired Hedrick Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 21, 1992 | Structure Change | Acquired Peoples Federal Savings Association Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| March 20, 1992 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 8 events.
Regulatory record
What the public regulatory sources show for South Ottumwa Savings Bank, 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
- 0.4% of deposits in IA, rank 57 of 261 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. 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 South Ottumwa Savings Bank
What are South Ottumwa Savings Bank's total assets?
As of the Q2 2026 filing, South Ottumwa Savings Bank reported total assets of $565.4 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is South Ottumwa Savings Bank headquartered?
South Ottumwa Savings Bank is headquartered in Ottumwa, IA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was South Ottumwa Savings Bank founded?
South Ottumwa Savings Bank was established in 1903, per the FDIC institution directory.
Is South Ottumwa Savings Bank FDIC-insured?
Yes. South Ottumwa Savings Bank is an FDIC-insured commercial bank (FDIC Certificate #9099). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates South Ottumwa Savings Bank?
South Ottumwa Savings Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is South Ottumwa Savings Bank's CET1 capital ratio?
South Ottumwa Savings Bank reported a Common Equity Tier 1 (CET1) capital ratio of 18.33% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does South Ottumwa Savings Bank operate?
South Ottumwa Savings Bank operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is South Ottumwa Savings Bank's Texas Ratio?
South Ottumwa Savings Bank's Texas Ratio is 3.99% 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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