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West Iowa Bank
West Bend, IA · FDIC Certificate #9105 · Chartered 01/0
Total assets
$222.09M
Total deposits
$182.95M
Total equity
$28.51M
Net loans
$129.59M
Branches (offices)
6
Net income (YTD)
$1.17M
Rank: #2,852 of 4,213 U.S. banks by assets · #131 of 225 in Iowa. Assets changed 33.8% and deposits 38.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.25% |
| Return on equity | 8.34% |
| Net interest margin (YTD) | 3.48% |
| Equity to assets | 12.84% |
| Tier 1 leverage ratio | 11.89% |
| Uninsured deposits (share of deposits) | 23.5% |
| Noncurrent loans (share of loans) | 0.01% |
| Net charge-offs (share of loans) | -0.02% |
| Loans to deposits | 70.8% |
| Real estate loans (share of loans) | 54.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $71.07M | 54.8% | |
| Commercial & industrial | $8.03M | 6.2% | |
| Consumer / individual | $1.84M | 1.4% | |
| Construction & development | $3.95M | 3.1% | |
| Agricultural | $40.03M | 30.9% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $169.63M | $147.13M | $1.01M | $18.21M |
| Jun 2023 | $167.72M | $137.89M | $1.17M | $19.35M |
| Jun 2024 | $179.00M | $142.32M | $1.10M | $21.90M |
| Jun 2025 | $166.04M | $132.39M | $982.00K | $25.10M |
| Jun 2026 | $222.09M | $182.95M | $1.17M | $28.51M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Iowa | $182.95M | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $182.95M.
Similar-sized banks
First Federal Savings And Loan Association Of San Rafael ($222.12M) · Citizens Community Bank ($221.94M)
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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