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Iowa State Bank
Algona, IA · FDIC Certificate #950 · Chartered 01/0
Total assets
$470.73M
Total deposits
$378.88M
Total equity
$42.86M
Net loans
$299.97M
Branches (offices)
5
Net income (YTD)
$2.62M
Rank: #1,857 of 4,213 U.S. banks by assets · #70 of 225 in Iowa. Assets changed 1.2% and deposits 11.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.11% |
| Return on equity | 12.44% |
| Net interest margin (YTD) | 3.31% |
| Equity to assets | 9.10% |
| Tier 1 leverage ratio | 11.17% |
| Uninsured deposits (share of deposits) | 38.3% |
| Noncurrent loans (share of loans) | 0.15% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 79.2% |
| Real estate loans (share of loans) | 81.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $245.01M | 81.7% | |
| Commercial & industrial | $14.44M | 4.8% | |
| Consumer / individual | $5.50M | 1.8% | |
| Construction & development | $8.95M | 3.0% | |
| Agricultural | $27.90M | 9.3% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $422.83M | $363.71M | $2.61M | $32.12M |
| Jun 2023 | $440.29M | $337.43M | $2.21M | $31.09M |
| Jun 2024 | $473.10M | $335.15M | $1.36M | $34.18M |
| Jun 2025 | $465.18M | $339.62M | $1.72M | $37.67M |
| Jun 2026 | $470.73M | $378.88M | $2.62M | $42.86M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Iowa | $378.88M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $378.88M.
Similar-sized banks
The Neffs National Bank ($470.81M) · Bank Of Western Oklahoma ($469.70M)
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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