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Cedar Valley Bank & Trust
La Porte City, IA · FDIC Certificate #14694 · Chartered 07/0
Total assets
$126.25M
Total deposits
$114.47M
Total equity
$11.31M
Net loans
$112.14M
Branches (offices)
2
Net income (YTD)
$868.00K
Rank: #3,482 of 4,213 U.S. banks by assets · #179 of 225 in Iowa. Assets changed 5.1% and deposits 19.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.40% |
| Return on equity | 15.71% |
| Net interest margin (YTD) | 4.38% |
| Equity to assets | 8.96% |
| Tier 1 leverage ratio | 9.01% |
| Uninsured deposits (share of deposits) | 40.4% |
| Noncurrent loans (share of loans) | 1.27% |
| Net charge-offs (share of loans) | 0.07% |
| Loans to deposits | 98.0% |
| Real estate loans (share of loans) | 83.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $94.03M | 83.8% | |
| Commercial & industrial | $7.51M | 6.7% | |
| Consumer / individual | $3.75M | 3.3% | |
| Construction & development | $6.29M | 5.6% | |
| Agricultural | $7.68M | 6.9% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $104.82M | $91.70M | $671.00K | $7.50M |
| Jun 2023 | $112.79M | $94.63M | $444.00K | $8.88M |
| Jun 2024 | $121.50M | $104.26M | $453.00K | $9.34M |
| Jun 2025 | $120.16M | $95.82M | $794.00K | $10.42M |
| Jun 2026 | $126.25M | $114.47M | $868.00K | $11.31M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Iowa | $114.47M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $114.47M.
Similar-sized banks
Dalhart Federal Savings & Loan Association, SSB ($126.30M) · Flora Bank & Trust ($125.99M)
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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