Advertisement
South Ottumwa Savings Bank
Ottumwa, IA · FDIC Certificate #9099 · Chartered 01/0
Total assets
$565.45M
Total deposits
$473.89M
Total equity
$76.51M
Net loans
$320.90M
Branches (offices)
6
Net income (YTD)
$3.78M
Rank: #1,631 of 4,213 U.S. banks by assets · #53 of 225 in Iowa. Assets changed 7.5% and deposits 7.5% over the year to June 30, 2026.
Advertisement
Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.40% |
| Return on equity | 10.02% |
| Net interest margin (YTD) | 3.36% |
| Equity to assets | 13.53% |
| Tier 1 leverage ratio | 13.00% |
| Uninsured deposits (share of deposits) | 35.1% |
| Noncurrent loans (share of loans) | 0.83% |
| Net charge-offs (share of loans) | 0.03% |
| Loans to deposits | 67.7% |
| Real estate loans (share of loans) | 75.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $242.99M | 75.7% | |
| Commercial & industrial | $33.68M | 10.5% | |
| Consumer / individual | $8.55M | 2.7% | |
| Construction & development | $3.97M | 1.2% | |
| Agricultural | $38.40M | 12.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $568.48M | $489.48M | $4.58M | $54.43M |
| Jun 2023 | $563.50M | $482.71M | $3.03M | $59.61M |
| Jun 2024 | $530.34M | $443.92M | $1.97M | $64.18M |
| Jun 2025 | $526.08M | $440.81M | $3.20M | $68.07M |
| Jun 2026 | $565.45M | $473.89M | $3.78M | $76.51M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Iowa | $473.89M | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $473.89M.
Similar-sized banks
Farmers And Merchants Bank ($565.84M) · Capitol Bank ($565.30M)
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.
Advertisement