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Atkins Savings Bank & Trust
Atkins, IA · FDIC Certificate #9096 · Chartered 04/1
Total assets
$172.20M
Total deposits
$146.25M
Total equity
$16.79M
Net loans
$121.56M
Branches (offices)
1
Net income (YTD)
$1.29M
Rank: #3,165 of 4,213 U.S. banks by assets · #154 of 225 in Iowa. Assets changed 5.9% and deposits 6.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.50% |
| Return on equity | 16.19% |
| Net interest margin (YTD) | 3.01% |
| Equity to assets | 9.75% |
| Tier 1 leverage ratio | 11.91% |
| Uninsured deposits (share of deposits) | 14.9% |
| Noncurrent loans (share of loans) | 0.05% |
| Net charge-offs (share of loans) | 0.25% |
| Loans to deposits | 83.1% |
| Real estate loans (share of loans) | 64.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $77.88M | 64.1% | |
| Commercial & industrial | $15.29M | 12.6% | |
| Consumer / individual | $4.28M | 3.5% | |
| Construction & development | $5.26M | 4.3% | |
| Agricultural | $25.38M | 20.9% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $124.33M | $113.57M | $1.05M | $10.36M |
| Jun 2023 | $134.55M | $117.90M | $818.00K | $11.65M |
| Jun 2024 | $147.60M | $122.98M | $570.00K | $12.29M |
| Jun 2025 | $162.67M | $137.28M | $1.15M | $14.22M |
| Jun 2026 | $172.20M | $146.25M | $1.29M | $16.79M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Iowa | $146.25M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $146.25M.
Similar-sized banks
Farmers National Bank ($172.53M) · First New Mexico Bank, Las Cruces ($171.94M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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