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Iowa State Bank
Sac City, IA · FDIC Certificate #10497 · Chartered 03/2
Total assets
$213.34M
Total deposits
$187.48M
Total equity
$24.84M
Net loans
$150.79M
Branches (offices)
3
Net income (YTD)
$1.55M
Rank: #2,894 of 4,213 U.S. banks by assets · #135 of 225 in Iowa. Assets changed 7.6% and deposits 7.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.47% |
| Return on equity | 12.70% |
| Net interest margin (YTD) | 3.17% |
| Equity to assets | 11.65% |
| Tier 1 leverage ratio | 11.53% |
| Uninsured deposits (share of deposits) | 12.1% |
| Noncurrent loans (share of loans) | 1.84% |
| Net charge-offs (share of loans) | 0.45% |
| Loans to deposits | 80.4% |
| Real estate loans (share of loans) | 71.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $107.76M | 71.5% | |
| Commercial & industrial | $16.15M | 10.7% | |
| Consumer / individual | $8.62M | 5.7% | |
| Construction & development | $18.51M | 12.3% | |
| Agricultural | $20.53M | 13.6% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $175.48M | $156.67M | $1.77M | $18.14M |
| Jun 2023 | $193.25M | $166.28M | $1.58M | $19.19M |
| Jun 2024 | $196.61M | $172.70M | $1.34M | $20.67M |
| Jun 2025 | $198.35M | $174.32M | $1.64M | $22.91M |
| Jun 2026 | $213.34M | $187.48M | $1.55M | $24.84M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Iowa | $187.48M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $187.48M.
Similar-sized banks
The Farmers And Merchants Bank ($213.42M) · Producers Bank & Trust ($213.22M)
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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