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Iowa State Bank
Des Moines, IA · FDIC Certificate #15808 · Chartered 04/1
Total assets
$480.55M
Total deposits
$392.00M
Total equity
$70.55M
Net loans
$274.51M
Branches (offices)
5
Net income (YTD)
$4.14M
Rank: #1,838 of 4,213 U.S. banks by assets · #69 of 225 in Iowa. Assets changed 4.2% and deposits 3.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.76% |
| Return on equity | 11.94% |
| Net interest margin (YTD) | 3.41% |
| Equity to assets | 14.68% |
| Tier 1 leverage ratio | 15.92% |
| Uninsured deposits (share of deposits) | 27.0% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 70.0% |
| Real estate loans (share of loans) | 93.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $255.24M | 93.0% | |
| Commercial & industrial | $19.96M | 7.3% | |
| Consumer / individual | $675.00K | 0.2% | |
| Construction & development | $35.84M | 13.1% | |
| Agricultural | $13.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $476.39M | $398.26M | $3.15M | $55.14M |
| Jun 2023 | $458.96M | $384.26M | $3.03M | $56.65M |
| Jun 2024 | $440.79M | $364.95M | $2.55M | $61.26M |
| Jun 2025 | $461.01M | $377.94M | $3.96M | $68.64M |
| Jun 2026 | $480.55M | $392.00M | $4.14M | $70.55M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Iowa | $392.00M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $392.00M.
Similar-sized banks
Home State Bank ($480.74M) · Fnb Community Bank ($480.19M)
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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