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Earlham Savings Bank
West Des Moines, IA · FDIC Certificate #5796 · Chartered 01/0
Total assets
$382.51M
Total deposits
$343.94M
Total equity
$36.93M
Net loans
$220.60M
Branches (offices)
9
Net income (YTD)
$2.02M
Rank: #2,135 of 4,213 U.S. banks by assets · #86 of 225 in Iowa. Assets changed 2.3% and deposits 1.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.06% |
| Return on equity | 11.21% |
| Net interest margin (YTD) | 3.77% |
| Equity to assets | 9.66% |
| Tier 1 leverage ratio | 9.53% |
| Uninsured deposits (share of deposits) | 17.6% |
| Noncurrent loans (share of loans) | 0.91% |
| Net charge-offs (share of loans) | -0.07% |
| Loans to deposits | 64.1% |
| Real estate loans (share of loans) | 82.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $182.80M | 82.9% | |
| Commercial & industrial | $23.63M | 10.7% | |
| Consumer / individual | $5.47M | 2.5% | |
| Construction & development | $8.28M | 3.8% | |
| Agricultural | $9.87M | 4.5% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $400.74M | $375.12M | $44.00K | $25.35M |
| Jun 2023 | $365.42M | $336.47M | $867.00K | $28.29M |
| Jun 2024 | $360.88M | $329.10M | $891.00K | $30.37M |
| Jun 2025 | $373.94M | $337.56M | $3.03M | $34.66M |
| Jun 2026 | $382.51M | $343.94M | $2.02M | $36.93M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Iowa | $343.94M | 9 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $343.94M.
Similar-sized banks
Sandhills State Bank ($382.77M) · Tcm Bank, National Association ($382.35M)
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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