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South Story Bank & Trust
Slater, IA · FDIC Certificate #17348 · Chartered 09/0
Total assets
$623.91M
Total deposits
$491.32M
Total equity
$73.21M
Net loans
$565.49M
Branches (offices)
5
Net income (YTD)
$2.00M
Rank: #1,513 of 4,213 U.S. banks by assets · #45 of 225 in Iowa. Assets changed 0.6% and deposits 5.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.65% |
| Return on equity | 5.55% |
| Net interest margin (YTD) | 4.00% |
| Equity to assets | 11.73% |
| Tier 1 leverage ratio | 10.93% |
| Uninsured deposits (share of deposits) | 43.3% |
| Noncurrent loans (share of loans) | 0.78% |
| Net charge-offs (share of loans) | 0.05% |
| Loans to deposits | 115.1% |
| Real estate loans (share of loans) | 77.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $437.86M | 77.4% | |
| Commercial & industrial | $117.72M | 20.8% | |
| Consumer / individual | $1.38M | 0.2% | |
| Construction & development | $58.01M | 10.3% | |
| Agricultural | $15.66M | 2.8% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $384.64M | $329.24M | $975.00K | $39.86M |
| Jun 2023 | $452.09M | $359.80M | $337.00K | $61.20M |
| Jun 2024 | $558.55M | $455.40M | $771.00K | $62.45M |
| Jun 2025 | $619.88M | $465.63M | $1.48M | $68.86M |
| Jun 2026 | $623.91M | $491.32M | $2.00M | $73.21M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Iowa | $491.32M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $491.32M.
Similar-sized banks
First Port City Bank ($623.94M) · Sunrise Bank ($622.88M)
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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