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Defiance State Bank
Defiance, IA · FDIC Certificate #17450 · Chartered 09/0
Total assets
$42.62M
Total deposits
$33.54M
Total equity
$4.21M
Net loans
$31.98M
Branches (offices)
2
Net income (YTD)
$151.00K
Rank: #4,084 of 4,213 U.S. banks by assets · #217 of 225 in Iowa. Assets changed 8.7% and deposits 3.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.71% |
| Return on equity | 7.31% |
| Net interest margin (YTD) | 3.93% |
| Equity to assets | 9.87% |
| Tier 1 leverage ratio | 9.86% |
| Uninsured deposits (share of deposits) | 8.9% |
| Noncurrent loans (share of loans) | 0.08% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 95.3% |
| Real estate loans (share of loans) | 59.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $18.99M | 59.4% | |
| Commercial & industrial | $1.89M | 5.9% | |
| Consumer / individual | $2.15M | 6.7% | |
| Construction & development | $482.00K | 1.5% | |
| Agricultural | $8.30M | 26.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $40.59M | $32.24M | $12.00K | $3.41M |
| Jun 2023 | $43.97M | $35.74M | $225.00K | $3.69M |
| Jun 2024 | $40.41M | $33.70M | $170.00K | $3.86M |
| Jun 2025 | $39.19M | $32.29M | $179.00K | $4.00M |
| Jun 2026 | $42.62M | $33.54M | $151.00K | $4.21M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Iowa | $33.54M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $33.54M.
Similar-sized banks
Peoples Community Bank Sb Of Monticello, Indiana ($42.72M) · Country Trust Bank ($42.30M)
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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