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Tri-Valley Bank
Randolph, IA · FDIC Certificate #12417 · Chartered 01/0
Total assets
$82.75M
Total deposits
$77.41M
Total equity
$5.05M
Net loans
$48.43M
Branches (offices)
4
Net income (YTD)
$73.00K
Rank: #3,812 of 4,213 U.S. banks by assets · #201 of 225 in Iowa. Assets changed -3.2% and deposits -3.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.18% |
| Return on equity | 3.00% |
| Net interest margin (YTD) | 4.13% |
| Equity to assets | 6.10% |
| Tier 1 leverage ratio | 9.25% |
| Uninsured deposits (share of deposits) | 17.8% |
| Noncurrent loans (share of loans) | 4.09% |
| Net charge-offs (share of loans) | 0.81% |
| Loans to deposits | 62.6% |
| Real estate loans (share of loans) | 58.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $28.14M | 58.1% | |
| Commercial & industrial | $4.17M | 8.6% | |
| Consumer / individual | $1.51M | 3.1% | |
| Construction & development | $2.43M | 5.0% | |
| Agricultural | $15.73M | 32.5% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $83.06M | $78.83M | $45.00K | $4.20M |
| Jun 2023 | $78.75M | $74.15M | $221.00K | $4.39M |
| Jun 2024 | $79.53M | $74.00M | $82.00K | $5.25M |
| Jun 2025 | $85.49M | $80.14M | -$775.00K | $5.05M |
| Jun 2026 | $82.75M | $77.41M | $73.00K | $5.05M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Iowa | $71.33M | 3 |
| Nebraska | $6.08M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $77.41M.
Similar-sized banks
Farmers Bank Of Lohman, Missouri ($82.94M) · Odin State Bank ($82.42M)
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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