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Data through Q3 2026 · 4,200 institutions
Regulatory profile
West Des Moines, IA · FDIC certificate #5796
EARLHAM SAVINGS BANK is an FDIC-insured institution based in West Des Moines, IA (FDIC certificate #5796). In its Q3 2026 Call Report it reported total assets of $378M, total deposits of $340M and net loans of $224M. Its primary federal regulator is FDIC.
Plain-language readout
EARLHAM SAVINGS BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $383M in Q1 2026 and were lowest at $378M in Q3 2026.
Total deposits were highest at $346M in Q1 2026 and lowest at $340M in Q3 2026.
Over the whole period total assets fell 1.2%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $378M | $340M | $224M | 1.00% | 10.49% | 3.77% |
| Q2 2026 | $383M | $344M | $221M | 1.06% | 11.21% | 3.77% |
| Q1 2026 | $383M | $346M | $222M | 0.99% | 10.57% | 3.68% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $50.9M | $59.7M | -$8.8M | -14.8% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $25.3M | $25.3M | +$23K | +0.1% |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $75.4M | $66.4M | +$8.9M | +13.5% |
| Equity securities with readily determinable fair values, not held for trading | $111K | $84K | +$27K | +32.1% |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $220.6M | $221.9M | -$1.3M | -0.6% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $6.3M | $6.4M | -$20K | -0.3% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $3.9M | $3.4M | +$478K | +13.9% |
| Total assets | $382.5M | $383.1M | -$639K | -0.2% |
| Liabilities | ||||
| Total deposits | $343.9M | $345.7M | -$1.8M | -0.5% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $1.6M | $1.6M | +$75K | +4.8% |
| Total liabilities | $345.6M | $347.3M | -$1.7M | -0.5% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $342K | $342K | $0K | 0.0% |
| Surplus | $1.9M | $1.9M | $0K | 0.0% |
| Retained earnings | $34.8M | $33.7M | +$1.1M | +3.2% |
| Accumulated other comprehensive income | -$68K | -$61K | -$7K | -11.5% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $36.9M | $35.9M | +$1.1M | +3.0% |
| Credit and capital | ||||
| Gross nonperforming assets | $2.1M | $2.1M | -$61K | -2.9% |
| Adjusted nonperforming assets | $2.1M | $2.1M | -$61K | -2.9% |
| Tangible equity plus allowance | $43.0M | $41.8M | +$1.3M | +3.0% |
| Texas ratio (gross) | 4.78% | 5.07% | -0.29 pts | See points |
| Texas ratio (adjusted) | 4.78% | 5.07% | -0.29 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 4.78% | 5.07% | -0.29 pts | See points |
| Tier 1 capital to risk-weighted assets | 16.78% | 15.37% | +1.41 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 16.78% | 15.37% | +1.41 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.27% | 1.27% | +0.00 pts | See points |
| Total risk-based capital to risk-weighted assets | 18.05% | 16.63% | +1.42 pts | See points |
| Tier 1 leverage (approximate) | 9.53% | 9.36% | +0.17 pts | See points |
| Construction and land loans to total capital | 20.81% | 26.95% | -6.14 pts | See points |
| Commercial real estate to total capital | 99.41% | 107.97% | -8.56 pts | See points |
| Dividend payout, year to date | 0.00% | 0.00% | 0.00 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -0.15% | -0.16% | +0.00 pts | See points |
| Liquidity | ||||
| Core deposits | $338.3M | $341.0M | -$2.7M | -0.8% |
| Non-core funding | $5.6M | $4.7M | +$931K | +19.7% |
| Loans to core deposits | 67.01% | 66.80% | +0.21 pts | See points |
| Loans to deposits | 65.91% | 65.88% | +0.02 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 0.00% | 0.00% | 0.00 pts | See points |
| Loans pledged, share of loans | 0.00% | 0.00% | 0.00 pts | See points |
| Volatile liabilities | $5.6M | $4.7M | +$931K | +19.7% |
| Earnings | ||||
| Earnings before provision, year to date | $2.9M | $1.4M | +$1.5M | +110.6% |
| Earnings before provision, single quarter | $1.5M | $1.4M | +$148K | +10.6% |
| Provision for credit losses, year to date | $300K | $150K | +$150K | +100.0% |
| Yield and cost | ||||
| Yield on loans and leases | 6.40% | 6.15% | +0.25 pts | See points |
| Yield on interest-bearing balances due from banks | 3.65% | 3.51% | +0.14 pts | See points |
| Total interest income to average assets | 5.20% | 5.02% | +0.18 pts | See points |
| Cost of interest-bearing transaction accounts | 0.80% | 0.76% | +0.04 pts | See points |
| Cost of savings and money market deposits | 2.41% | 2.33% | +0.08 pts | See points |
| Cost of time deposits | 3.67% | 3.61% | +0.06 pts | See points |
| Total interest expense to average assets | 1.57% | 1.53% | +0.05 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $378M | $340M | $224M | 1.00% | 10.49% | 3.77% |
| 2026-06-30 | $383M | $344M | $221M | 1.06% | 11.21% | 3.77% |
| 2026-03-31 | $383M | $346M | $222M | 0.99% | 10.57% | 3.68% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| IA | $337.6M | 0.27% | 84 | Continuing · +0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.