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Pocahontas State Bank
Pocahontas, IA · FDIC Certificate #234 · Chartered 07/0
Total assets
$122.57M
Total deposits
$83.05M
Total equity
$34.09M
Net loans
$43.74M
Branches (offices)
2
Net income (YTD)
$311.00K
Rank: #3,509 of 4,213 U.S. banks by assets · #181 of 225 in Iowa. Assets changed 6.9% and deposits 1.2% 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 | 1.83% |
| Net interest margin (YTD) | 2.57% |
| Equity to assets | 27.81% |
| Tier 1 leverage ratio | 26.35% |
| Uninsured deposits (share of deposits) | 17.0% |
| Noncurrent loans (share of loans) | 1.93% |
| Net charge-offs (share of loans) | 0.17% |
| Loans to deposits | 52.7% |
| Real estate loans (share of loans) | 54.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $23.92M | 54.7% | |
| Commercial & industrial | $4.34M | 9.9% | |
| Consumer / individual | $700.00K | 1.6% | |
| Construction & development | $984.00K | 2.2% | |
| Agricultural | $15.16M | 34.7% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $106.31M | $78.53M | $705.00K | $27.55M |
| Jun 2023 | $111.81M | $81.75M | $817.00K | $29.35M |
| Jun 2024 | $111.94M | $79.63M | $758.00K | $30.80M |
| Jun 2025 | $114.67M | $82.04M | $927.00K | $31.66M |
| Jun 2026 | $122.57M | $83.05M | $311.00K | $34.09M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Iowa | $83.05M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $83.05M.
Similar-sized banks
Midwest National Bank ($122.60M) · Cleo State Bank ($122.53M)
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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