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Ohnward Bank & Trust
Cascade, IA · FDIC Certificate #10111 · Chartered 02/2
Total assets
$499.08M
Total deposits
$417.63M
Total equity
$60.57M
Net loans
$388.07M
Branches (offices)
6
Net income (YTD)
$3.40M
Rank: #1,788 of 4,213 U.S. banks by assets · #61 of 225 in Iowa. Assets changed 8.6% and deposits 9.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.39% |
| Return on equity | 11.47% |
| Net interest margin (YTD) | 4.00% |
| Equity to assets | 12.14% |
| Tier 1 leverage ratio | 12.58% |
| Uninsured deposits (share of deposits) | 33.7% |
| Noncurrent loans (share of loans) | 0.60% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 92.9% |
| Real estate loans (share of loans) | 67.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $262.29M | 67.6% | |
| Commercial & industrial | $54.73M | 14.1% | |
| Consumer / individual | $8.08M | 2.1% | |
| Construction & development | $29.57M | 7.6% | |
| Agricultural | $62.33M | 16.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $394.35M | $331.82M | $2.29M | $40.42M |
| Jun 2023 | $386.11M | $314.72M | $2.12M | $43.64M |
| Jun 2024 | $419.51M | $339.12M | $2.03M | $48.02M |
| Jun 2025 | $459.48M | $380.43M | $2.56M | $54.27M |
| Jun 2026 | $499.08M | $417.63M | $3.40M | $60.57M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Iowa | $417.63M | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $417.63M.
Similar-sized banks
The Napoleon State Bank ($499.22M) · First State Bank And Trust ($499.01M)
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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