Advertisement
Waukon State Bank
Waukon, IA · FDIC Certificate #1857 · Chartered 01/0
Total assets
$426.86M
Total deposits
$366.51M
Total equity
$44.98M
Net loans
$348.62M
Branches (offices)
4
Net income (YTD)
$4.22M
Rank: #1,972 of 4,213 U.S. banks by assets · #77 of 225 in Iowa. Assets changed 3.5% and deposits 5.6% over the year to June 30, 2026.
Advertisement
Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.93% |
| Return on equity | 19.17% |
| Net interest margin (YTD) | 3.69% |
| Equity to assets | 10.54% |
| Tier 1 leverage ratio | 10.44% |
| Uninsured deposits (share of deposits) | 26.6% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 95.1% |
| Real estate loans (share of loans) | 79.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $276.04M | 79.2% | |
| Commercial & industrial | $37.36M | 10.7% | |
| Consumer / individual | $5.62M | 1.6% | |
| Construction & development | $4.12M | 1.2% | |
| Agricultural | $33.98M | 9.7% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $384.69M | $336.11M | $2.16M | $38.02M |
| Jun 2023 | $406.59M | $334.28M | $2.44M | $40.07M |
| Jun 2024 | $394.00M | $330.53M | $2.20M | $40.55M |
| Jun 2025 | $412.57M | $347.04M | $3.37M | $42.51M |
| Jun 2026 | $426.86M | $366.51M | $4.22M | $44.98M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Iowa | $366.51M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $366.51M.
Similar-sized banks
North Valley Bank ($426.89M) · The Lamesa National Bank ($426.85M)
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.
Advertisement