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Chelsea Savings Bank
Belle Plaine, IA · FDIC Certificate #15427 · Chartered 10/1
Total assets
$196.91M
Total deposits
$173.77M
Total equity
$22.28M
Net loans
$83.83M
Branches (offices)
5
Net income (YTD)
$1.73M
Rank: #2,995 of 4,213 U.S. banks by assets · #144 of 225 in Iowa. Assets changed 2.1% and deposits -0.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.75% |
| Return on equity | 15.50% |
| Net interest margin (YTD) | 3.49% |
| Equity to assets | 11.31% |
| Tier 1 leverage ratio | 16.01% |
| Uninsured deposits (share of deposits) | 29.8% |
| Noncurrent loans (share of loans) | 0.24% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 48.2% |
| Real estate loans (share of loans) | 50.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $42.20M | 50.3% | |
| Commercial & industrial | $17.39M | 20.8% | |
| Consumer / individual | $1.93M | 2.3% | |
| Construction & development | $4.73M | 5.6% | |
| Agricultural | $22.53M | 26.9% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $183.91M | $167.84M | $1.26M | $13.89M |
| Jun 2023 | $186.25M | $171.13M | $1.14M | $14.20M |
| Jun 2024 | $188.22M | $171.22M | $934.00K | $15.98M |
| Jun 2025 | $192.83M | $173.83M | $1.44M | $18.09M |
| Jun 2026 | $196.91M | $173.77M | $1.73M | $22.28M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Iowa | $173.77M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $173.77M.
Similar-sized banks
First Federal Savings And Loan Association Of Van Wert ($197.41M) · Oklahoma Capital Bank ($196.31M)
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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