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Iowa Trust & Savings Bank
Emmetsburg, IA · FDIC Certificate #18400 · Chartered 07/0
Total assets
$521.98M
Total deposits
$396.42M
Total equity
$59.63M
Net loans
$366.17M
Branches (offices)
4
Net income (YTD)
$1.96M
Rank: #1,737 of 4,213 U.S. banks by assets · #60 of 225 in Iowa. Assets changed -1.2% and deposits -1.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.75% |
| Return on equity | 6.61% |
| Net interest margin (YTD) | 3.57% |
| Equity to assets | 11.42% |
| Tier 1 leverage ratio | 10.82% |
| Uninsured deposits (share of deposits) | 29.9% |
| Noncurrent loans (share of loans) | 0.79% |
| Net charge-offs (share of loans) | 0.34% |
| Loans to deposits | 92.4% |
| Real estate loans (share of loans) | 81.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $299.79M | 81.9% | |
| Commercial & industrial | $28.23M | 7.7% | |
| Consumer / individual | $1.66M | 0.5% | |
| Construction & development | $68.44M | 18.7% | |
| Agricultural | $33.37M | 9.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $409.40M | $334.71M | $2.58M | $50.48M |
| Jun 2023 | $484.58M | $353.73M | $2.27M | $51.99M |
| Jun 2024 | $540.21M | $405.68M | $1.85M | $54.24M |
| Jun 2025 | $528.42M | $402.48M | $4.09M | $56.47M |
| Jun 2026 | $521.98M | $396.42M | $1.96M | $59.63M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Iowa | $396.42M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $396.42M.
Similar-sized banks
Denali State Bank ($522.65M) · The Savings Bank ($520.06M)
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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