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Twin Cedars Bank
Bussey, IA · FDIC Certificate #1556 · Chartered 03/2
Total assets
$118.35M
Total deposits
$104.67M
Total equity
$12.84M
Net loans
$88.21M
Branches (offices)
4
Net income (YTD)
-$1.39M
Rank: #3,544 of 4,213 U.S. banks by assets · #186 of 225 in Iowa. Assets changed 4.5% and deposits 6.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | -2.34% |
| Return on equity | -20.88% |
| Net interest margin (YTD) | 3.97% |
| Equity to assets | 10.85% |
| Tier 1 leverage ratio | 9.19% |
| Uninsured deposits (share of deposits) | 8.7% |
| Noncurrent loans (share of loans) | 4.61% |
| Net charge-offs (share of loans) | 1.84% |
| Loans to deposits | 84.3% |
| Real estate loans (share of loans) | 75.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $66.59M | 75.5% | |
| Commercial & industrial | $18.33M | 20.8% | |
| Consumer / individual | $1.05M | 1.2% | |
| Construction & development | $16.09M | 18.2% | |
| Agricultural | $4.88M | 5.5% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $50.83M | $47.00M | -$100.00K | $3.73M |
| Jun 2023 | $67.35M | $59.13M | -$146.00K | $7.95M |
| Jun 2024 | $89.76M | $74.01M | $265.00K | $12.10M |
| Jun 2025 | $113.29M | $98.70M | $379.00K | $13.69M |
| Jun 2026 | $118.35M | $104.67M | -$1.39M | $12.84M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Iowa | $104.67M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $104.67M.
Similar-sized banks
The Granville National Bank ($118.35M) · First Bank ($118.00M)
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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