Advertisement
White State Bank
South English, IA · FDIC Certificate #8519 · Chartered 01/0
Total assets
$109.02M
Total deposits
$96.40M
Total equity
$12.01M
Net loans
$37.41M
Branches (offices)
3
Net income (YTD)
$860.00K
Rank: #3,611 of 4,213 U.S. banks by assets · #190 of 225 in Iowa. Assets changed 10.2% and deposits 10.5% over the year to June 30, 2026.
Advertisement
Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.62% |
| Return on equity | 14.48% |
| Net interest margin (YTD) | 3.54% |
| Equity to assets | 11.02% |
| Tier 1 leverage ratio | 11.16% |
| Uninsured deposits (share of deposits) | 22.2% |
| Noncurrent loans (share of loans) | 1.31% |
| Net charge-offs (share of loans) | -0.02% |
| Loans to deposits | 38.8% |
| Real estate loans (share of loans) | 66.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $25.04M | 66.9% | |
| Commercial & industrial | $4.72M | 12.6% | |
| Consumer / individual | $1.86M | 5.0% | |
| Construction & development | $612.00K | 1.6% | |
| Agricultural | $6.45M | 17.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $48.91M | $43.05M | $241.00K | $5.65M |
| Jun 2023 | $92.05M | $83.79M | $646.00K | $7.84M |
| Jun 2024 | $100.31M | $90.29M | $628.00K | $9.32M |
| Jun 2025 | $98.91M | $87.20M | $655.00K | $11.02M |
| Jun 2026 | $109.02M | $96.40M | $860.00K | $12.01M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Iowa | $96.40M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $96.40M.
Similar-sized banks
Covington County Bank ($109.17M) · Anderson State Bank ($108.91M)
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