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City State Bank
Norwalk, IA · FDIC Certificate #14410 · Chartered 01/0
Total assets
$787.95M
Total deposits
$693.19M
Total equity
$74.77M
Net loans
$592.56M
Branches (offices)
8
Net income (YTD)
$7.22M
Rank: #1,270 of 4,213 U.S. banks by assets · #34 of 225 in Iowa. Assets changed 5.0% and deposits 4.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.84% |
| Return on equity | 19.58% |
| Net interest margin (YTD) | 3.24% |
| Equity to assets | 9.49% |
| Tier 1 leverage ratio | 9.37% |
| Uninsured deposits (share of deposits) | 33.9% |
| Noncurrent loans (share of loans) | 0.27% |
| Net charge-offs (share of loans) | 0.03% |
| Loans to deposits | 85.5% |
| Real estate loans (share of loans) | 84.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $497.74M | 84.0% | |
| Commercial & industrial | $70.48M | 11.9% | |
| Consumer / individual | $3.57M | 0.6% | |
| Construction & development | $67.96M | 11.5% | |
| Agricultural | $24.06M | 4.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $650.52M | $587.82M | $3.56M | $50.79M |
| Jun 2023 | $695.03M | $630.84M | $3.24M | $52.51M |
| Jun 2024 | $714.98M | $634.91M | $3.90M | $60.54M |
| Jun 2025 | $750.60M | $661.43M | $5.60M | $68.78M |
| Jun 2026 | $787.95M | $693.19M | $7.22M | $74.77M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Iowa | $693.19M | 8 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $693.19M.
Similar-sized banks
Reliabank Dakota ($788.41M) · First Savings Bank Of Hegewisch ($787.05M)
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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