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Raccoon Valley Bank
Perry, IA · FDIC Certificate #245 · Chartered 01/0
Total assets
$486.03M
Total deposits
$430.20M
Total equity
$46.12M
Net loans
$376.65M
Branches (offices)
4
Net income (YTD)
$3.91M
Rank: #1,821 of 4,213 U.S. banks by assets · #65 of 225 in Iowa. Assets changed 7.0% and deposits 5.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.62% |
| Return on equity | 17.48% |
| Net interest margin (YTD) | 3.97% |
| Equity to assets | 9.49% |
| Tier 1 leverage ratio | 9.57% |
| Uninsured deposits (share of deposits) | 35.8% |
| Noncurrent loans (share of loans) | 0.74% |
| Net charge-offs (share of loans) | -0.27% |
| Loans to deposits | 87.6% |
| Real estate loans (share of loans) | 79.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $300.34M | 79.7% | |
| Commercial & industrial | $50.43M | 13.4% | |
| Consumer / individual | $664.00K | 0.2% | |
| Construction & development | $76.76M | 20.4% | |
| Agricultural | $27.73M | 7.4% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $404.39M | $368.17M | $2.43M | $32.96M |
| Jun 2023 | $434.71M | $394.25M | $3.46M | $36.07M |
| Jun 2024 | $441.44M | $398.59M | $2.02M | $38.89M |
| Jun 2025 | $454.25M | $408.90M | $2.29M | $41.84M |
| Jun 2026 | $486.03M | $430.20M | $3.91M | $46.12M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Iowa | $430.20M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $430.20M.
Similar-sized banks
Oak Bank ($486.34M) · First Federal Savings Bank Of Lincolnton ($485.77M)
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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