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Keystone Savings Bank
Marengo, IA · FDIC Certificate #17993 · Chartered 04/2
Total assets
$200.76M
Total deposits
$168.68M
Total equity
$20.89M
Net loans
$124.36M
Branches (offices)
5
Net income (YTD)
$501.00K
Rank: #2,971 of 4,213 U.S. banks by assets · #142 of 225 in Iowa. Assets changed 3.3% and deposits 2.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.50% |
| Return on equity | 4.79% |
| Net interest margin (YTD) | 3.41% |
| Equity to assets | 10.41% |
| Tier 1 leverage ratio | 11.29% |
| Uninsured deposits (share of deposits) | 20.5% |
| Noncurrent loans (share of loans) | 1.44% |
| Net charge-offs (share of loans) | 0.02% |
| Loans to deposits | 73.7% |
| Real estate loans (share of loans) | 76.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $95.69M | 76.9% | |
| Commercial & industrial | $24.08M | 19.4% | |
| Consumer / individual | $1.71M | 1.4% | |
| Construction & development | $10.57M | 8.5% | |
| Agricultural | $4.22M | 3.4% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $171.97M | $155.44M | $468.00K | $15.56M |
| Jun 2023 | $177.59M | $159.66M | $762.00K | $16.57M |
| Jun 2024 | $177.06M | $147.92M | $504.00K | $17.79M |
| Jun 2025 | $194.36M | $164.20M | $734.00K | $18.94M |
| Jun 2026 | $200.76M | $168.68M | $501.00K | $20.89M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Iowa | $168.68M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $168.68M.
Similar-sized banks
Bank Of Delight ($201.03M) · Smartbiz Bank, National Association ($200.76M)
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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