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Iowa State Bank And Trust Company Of Fairfield, Iowa
Fairfield, IA · FDIC Certificate #14413 · Chartered 05/1
Total assets
$352.06M
Total deposits
$300.90M
Total equity
$27.56M
Net loans
$250.69M
Branches (offices)
3
Net income (YTD)
$2.09M
Rank: #2,247 of 4,213 U.S. banks by assets · #91 of 225 in Iowa. Assets changed 16.3% and deposits 17.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.24% |
| Return on equity | 15.55% |
| Net interest margin (YTD) | 3.59% |
| Equity to assets | 7.83% |
| Tier 1 leverage ratio | 8.01% |
| Uninsured deposits (share of deposits) | 40.7% |
| Noncurrent loans (share of loans) | 0.10% |
| Net charge-offs (share of loans) | 0.03% |
| Loans to deposits | 83.3% |
| Real estate loans (share of loans) | 70.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $177.69M | 70.9% | |
| Commercial & industrial | $30.96M | 12.4% | |
| Consumer / individual | $2.50M | 1.0% | |
| Construction & development | $2.82M | 1.1% | |
| Agricultural | $38.89M | 15.5% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $188.31M | $159.37M | $543.00K | $16.84M |
| Jun 2023 | $230.32M | $190.03M | $224.00K | $16.70M |
| Jun 2024 | $264.75M | $211.40M | $1.01M | $20.66M |
| Jun 2025 | $302.67M | $256.40M | $1.24M | $23.06M |
| Jun 2026 | $352.06M | $300.90M | $2.09M | $27.56M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Iowa | $300.90M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $300.90M.
Similar-sized banks
Business Bank, The ($352.21M) · 1St Trust Bank, Inc. ($351.71M)
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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