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Fnb Bank
Fontanelle, IA · FDIC Certificate #954 · Chartered 08/2
Total assets
$274.63M
Total deposits
$211.30M
Total equity
$43.53M
Net loans
$223.34M
Branches (offices)
5
Net income (YTD)
$2.79M
Rank: #2,596 of 4,213 U.S. banks by assets · #115 of 225 in Iowa. Assets changed 1.4% and deposits -1.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.03% |
| Return on equity | 13.01% |
| Net interest margin (YTD) | 4.22% |
| Equity to assets | 15.85% |
| Tier 1 leverage ratio | 14.48% |
| Uninsured deposits (share of deposits) | 20.2% |
| Noncurrent loans (share of loans) | 0.02% |
| Net charge-offs (share of loans) | -0.01% |
| Loans to deposits | 105.7% |
| Real estate loans (share of loans) | 58.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $130.28M | 58.3% | |
| Commercial & industrial | $9.40M | 4.2% | |
| Consumer / individual | $1.60M | 0.7% | |
| Construction & development | $374.00K | 0.2% | |
| Agricultural | $83.21M | 37.3% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $239.07M | $207.16M | $1.25M | $31.76M |
| Jun 2023 | $255.83M | $199.43M | $1.64M | $33.90M |
| Jun 2024 | $266.57M | $219.72M | $1.10M | $35.90M |
| Jun 2025 | $270.96M | $215.16M | $2.20M | $39.91M |
| Jun 2026 | $274.63M | $211.30M | $2.79M | $43.53M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Iowa | $211.30M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $211.30M.
Similar-sized banks
Columbus Bank And Trust Company ($274.63M) · First National Bank Of Steeleville ($274.52M)
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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