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State Savings Bank
Bedford, IA · FDIC Certificate #14773 · Chartered 01/0
Total assets
$207.18M
Total deposits
$181.34M
Total equity
$23.15M
Net loans
$183.78M
Branches (offices)
5
Net income (YTD)
$1.82M
Rank: #2,930 of 4,213 U.S. banks by assets · #139 of 225 in Iowa. Assets changed 9.0% and deposits 9.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.78% |
| Return on equity | 15.77% |
| Net interest margin (YTD) | 4.24% |
| Equity to assets | 11.17% |
| Tier 1 leverage ratio | 10.04% |
| Uninsured deposits (share of deposits) | 14.3% |
| Noncurrent loans (share of loans) | 0.72% |
| Net charge-offs (share of loans) | 0.05% |
| Loans to deposits | 101.3% |
| Real estate loans (share of loans) | 69.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $126.76M | 69.0% | |
| Commercial & industrial | $15.13M | 8.2% | |
| Consumer / individual | $5.07M | 2.8% | |
| Construction & development | $2.27M | 1.2% | |
| Agricultural | $38.44M | 20.9% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $155.80M | $140.30M | $1.34M | $14.81M |
| Jun 2023 | $170.93M | $137.35M | $475.00K | $21.20M |
| Jun 2024 | $176.46M | $151.50M | $1.23M | $22.18M |
| Jun 2025 | $190.03M | $165.04M | $1.32M | $22.26M |
| Jun 2026 | $207.18M | $181.34M | $1.82M | $23.15M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Iowa | $181.34M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $181.34M.
Similar-sized banks
Grand Marais State Bank ($207.18M) · First & Peoples Bank And Trust Company ($207.10M)
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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