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Audubon State Bank
Audubon, IA · FDIC Certificate #5814 · Chartered 01/0
Total assets
$155.35M
Total deposits
$130.98M
Total equity
$19.21M
Net loans
$121.80M
Branches (offices)
1
Net income (YTD)
$1.93M
Rank: #3,265 of 4,213 U.S. banks by assets · #162 of 225 in Iowa. Assets changed 0.8% and deposits 0.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.38% |
| Return on equity | 20.39% |
| Net interest margin (YTD) | 4.41% |
| Equity to assets | 12.36% |
| Tier 1 leverage ratio | 10.46% |
| Uninsured deposits (share of deposits) | 26.7% |
| Noncurrent loans (share of loans) | 0.20% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 93.0% |
| Real estate loans (share of loans) | 64.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $78.88M | 64.8% | |
| Commercial & industrial | $12.71M | 10.4% | |
| Consumer / individual | $2.38M | 2.0% | |
| Construction & development | $11.29M | 9.3% | |
| Agricultural | $29.18M | 24.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $143.86M | $124.87M | $923.00K | $14.11M |
| Jun 2023 | $149.54M | $129.82M | $1.10M | $14.47M |
| Jun 2024 | $143.42M | $119.61M | $1.10M | $16.18M |
| Jun 2025 | $154.15M | $130.87M | $1.46M | $18.07M |
| Jun 2026 | $155.35M | $130.98M | $1.93M | $19.21M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Iowa | $130.98M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $130.98M.
Similar-sized banks
Citizens Bank & Trust Company ($155.40M) · Del Norte Bank ($155.28M)
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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