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The Watkins Savings Bank
Watkins, IA · FDIC Certificate #18071 · Chartered 01/0
Total assets
$86.72M
Total deposits
$75.02M
Total equity
$11.38M
Net loans
$32.30M
Branches (offices)
1
Net income (YTD)
$218.00K
Rank: #3,780 of 4,213 U.S. banks by assets · #200 of 225 in Iowa. Assets changed 5.6% and deposits 5.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.51% |
| Return on equity | 3.87% |
| Net interest margin (YTD) | 1.94% |
| Equity to assets | 13.12% |
| Tier 1 leverage ratio | 14.80% |
| Uninsured deposits (share of deposits) | 8.7% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 43.1% |
| Real estate loans (share of loans) | 66.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $21.36M | 66.1% | |
| Commercial & industrial | $543.00K | 1.7% | |
| Consumer / individual | $665.00K | 2.1% | |
| Construction & development | $210.00K | 0.7% | |
| Agricultural | $9.90M | 30.6% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $81.72M | $72.37M | $253.00K | $9.22M |
| Jun 2023 | $79.68M | $70.50M | $160.00K | $8.90M |
| Jun 2024 | $78.53M | $68.95M | $150.00K | $9.29M |
| Jun 2025 | $82.15M | $71.30M | $131.00K | $10.53M |
| Jun 2026 | $86.72M | $75.02M | $218.00K | $11.38M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Iowa | $75.02M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $75.02M.
Similar-sized banks
First State Bank Of Randolph County ($86.86M) · Paramount Bank ($86.55M)
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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