United Bank of Iowa: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
United Bank of Iowa is the primary bank subsidiary of its parent holding company, headquartered in Ida Grove, IA. The bank posts a strong 1.30% ROA and 14.55% ROE. United Bank of Iowa's Q2 2026 balance sheet shows $2.5B in assets funded primarily by $2.0B in customer deposits. Under the simplified Community Bank Leverage Ratio framework, leverage of 10.34% exceeds the CBLR threshold. Credit metrics are pristine, with nonperforming loans at just 0.25%. United Bank of Iowa operates a 38-branch network.
As of June 30, 2026, United Bank of Iowa reported a Tier 1 leverage ratio of 10.34%, a return on assets of 1.30%, a nonperforming-loan ratio of 0.25%, a Texas ratio of 1.89%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 501 2nd St, Ida Grove, IA 51445
- County
- Ida
- 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
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- February 4, 1932
- Offices
- 38 domestic
- Employees (FTE)
- 300
- Domestic deposits
- $1.96B
- Allowance for credit losses
- $22.9M
- Net charge-offs (YTD)
- -$64K
- Average total assets
- $2.57B
- Average total loans
- $1.67B
- Average interest-bearing deposits
- $1.93B
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 958
- Fed RSSD
- 738040
- Website
- www.unitedbk.bank →
- Parent Holding Company
- IDA GROVE BANCSHARES, INC. (RSSD 1205183)
Profitability
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. This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
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 United Bank of Iowa terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock United Bank of Iowa, freeUnited Bank of 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. A community bank leverage ratio filer reports no CET1 ratio, so the first ratio column is the Tier 1 leverage ratio.
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.34% | 1.30% | 0.25% | 1.89% | 2.96% |
| Q1 2026 | 10.41% | 1.23% | 0.28% | 2.18% | 2.82% |
| Q4 2025 | 10.08% | 1.44% | 0.24% | 2.04% | 2.72% |
| Q3 2025 | 10.14% | 1.08% | 0.27% | 2.02% | 2.64% |
| Q2 2025 | 9.78% | 1.11% | 0.33% | 2.80% | 2.56% |
| Q1 2025 | 9.80% | 0.90% | 0.30% | 2.45% | 2.41% |
| Q4 2024 | 9.58% | 1.11% | 0.29% | 2.63% | 2.28% |
| Q3 2024 | 9.57% | 0.60% | 0.32% | 2.60% | 2.17% |
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 38 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| United Bank of Iowa (main office) | Ida Grove , IA | 51445 | $325.4M |
| Denison Branch | Denison , IA | 51442 | $104.6M |
| Carroll Branch | Carroll , IA | 51401 | $104.0M |
| Rockwell City Branch | Rockwell City , IA | 50579 | $95.5M |
| Lake City Branch | Lake City , IA | 51449 | $85.3M |
| Holstein Branch | Holstein , IA | 51025 | $84.5M |
| Kingsley Branch | Kingsley , IA | 51028 | $83.3M |
| Glidden Branch | Glidden , IA | 51443 | $70.6M |
| Harlan Branch | Harlan , IA | 51537 | $70.5M |
| Storm Lake Branch | Storm Lake , IA | 50588 | $67.2M |
| Onawa Branch | Onawa , IA | 51040 | $61.9M |
| Schleswig Branch | Schleswig , IA | 51461 | $57.9M |
| Dunlap Branch | Dunlap , IA | 51529 | $56.0M |
| Fort Dodge Branch | Fort Dodge , IA | 50501 | $54.1M |
| Odebolt Branch | Odebolt , IA | 51458 | $54.0M |
| Pocahontas Branch | Pocahontas , IA | 50574 | $47.7M |
| Charter Oak Branch | Charter Oak , IA | 51439 | $46.7M |
| Boone Branch | Boone , IA | 50036 | $45.9M |
| Moville Branch | Moville , IA | 51039 | $45.1M |
| Aurelia Branch | Aurelia , IA | 51005 | $43.0M |
| Sac City Branch | Sac City , IA | 50583 | $42.7M |
| Churdan Branch | Churdan , IA | 50050 | $33.4M |
| Alta Main Branch | Alta , IA | 51002 | $32.9M |
| Galva Branch | Galva , IA | 51020 | $30.0M |
| Rolfe Br | Rolfe , IA | 50581 | $27.7M |
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 |
|---|---|---|---|
| April 13, 2019 | Structure Change | Acquired Rolfe State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 12, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 18, 2018 | Structure Change | Acquired The First Trust & Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 1, 2015 | Structure Change | Acquired Blencoe State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 31, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 18, 2010 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 18, 2010 | Structure Change | Acquired Moorhead State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 1, 2010 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 2010 | Structure Change | Acquired American National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 1, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 1, 2006 | Structure Change | Acquired First Bank and Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 1, 2001 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 1, 2001 | Structure Change | Acquired Alliance Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 1, 2001 | Structure Change | Acquired United Bank of Iowa Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 28, 2001 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 2, 2001 | Structure Change | Acquired Associated Insurance Professionals Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 1, 1994 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 29, 1994 | Structure Change | Acquired Liberty Bank & Trust Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 9, 1991 | Structure Change | Acquired American Federal Savings Association of Iowa Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| June 29, 1990 | Structure Change | Acquired Sun Federal Savings Association Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| June 28, 1990 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 30, 1989 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 30, 1989 | Structure Change | Acquired First Trust and Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 1, 1961 | Structure Change | Acquired Arthur Trust and Savings 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 24 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for United Bank of 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 16 of 261 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 540 applications, 351 loans originated, $55.4M originated, across 5 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 United Bank of Iowa
What are United Bank of Iowa's total assets?
As of the Q2 2026 filing, United Bank of Iowa reported total assets of $2.50 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is United Bank of Iowa headquartered?
United Bank of Iowa is headquartered in Ida Grove, IA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was United Bank of Iowa founded?
United Bank of Iowa was established in 1932, per the FDIC institution directory.
Is United Bank of Iowa FDIC-insured?
Yes. United Bank of Iowa is an FDIC-insured commercial bank (FDIC Certificate #958). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates United Bank of Iowa?
United Bank of Iowa's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does United Bank of Iowa operate?
United Bank of Iowa operates 38 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is United Bank of Iowa's Texas Ratio?
United Bank of Iowa's Texas Ratio is 1.89% 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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