Loading bank profile
Data through Q3 2026 · 4,200 institutions
Regulatory profile
Clarksville, IA · FDIC certificate #15947
IOWA STATE BANK is an FDIC-insured institution based in Clarksville, IA (FDIC certificate #15947). In its Q3 2026 Call Report it reported total assets of $394M, total deposits of $342M and net loans of $269M. Its primary federal regulator is FDIC.
Plain-language readout
IOWA STATE BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $394M in Q3 2026 and were lowest at $390M in Q1 2026.
Total deposits were highest at $342M in Q3 2026 and lowest at $337M in Q1 2026.
Over the whole period total assets rose 1.2%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $394M | $342M | $269M | 2.14% | 19.75% | 3.66% |
| Q2 2026 | $393M | $340M | $262M | 2.38% | 21.82% | 3.90% |
| Q1 2026 | $390M | $337M | $270M | 3.10% | 28.52% | 4.78% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $22.8M | $19.3M | +$3.5M | +17.9% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $98.8M | $91.8M | +$7.1M | +7.7% |
| Equity securities with readily determinable fair values, not held for trading | $74K | $56K | +$18K | +32.1% |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $261.6M | $269.6M | -$8.0M | -3.0% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $935K | $955K | -$20K | -2.1% |
| 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 | $8.7M | $7.9M | +$796K | +10.1% |
| Total assets | $392.9M | $389.6M | +$3.3M | +0.8% |
| Liabilities | ||||
| Total deposits | $339.9M | $337.5M | +$2.4M | +0.7% |
| 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 | $7.0M | $7.0M | $0K | 0.0% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $2.9M | $2.8M | +$130K | +4.6% |
| Total liabilities | $349.8M | $347.3M | +$2.6M | +0.7% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $100K | $100K | $0K | 0.0% |
| Surplus | $6.1M | $6.1M | $0K | 0.0% |
| Retained earnings | $37.0M | $36.4M | +$625K | +1.7% |
| Accumulated other comprehensive income | -$194K | -$309K | +$115K | +37.2% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $43.0M | $42.3M | +$740K | +1.7% |
| Credit and capital | ||||
| Gross nonperforming assets | $7.2M | $7.7M | -$424K | -5.5% |
| Adjusted nonperforming assets | $6.8M | $7.0M | -$256K | -3.6% |
| Tangible equity plus allowance | $52.8M | $52.0M | +$773K | +1.5% |
| Texas ratio (gross) | 13.69% | 14.71% | -1.02 pts | See points |
| Texas ratio (adjusted) | 12.81% | 13.49% | -0.68 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 13.60% | 14.34% | -0.75 pts | See points |
| Tier 1 capital to risk-weighted assets | 15.52% | 14.99% | +0.53 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 15.52% | 14.99% | +0.53 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.28% | 1.28% | +0.00 pts | See points |
| Total risk-based capital to risk-weighted assets | 16.80% | 16.26% | +0.54 pts | See points |
| Tier 1 leverage (approximate) | 11.03% | 11.18% | -0.14 pts | See points |
| Construction and land loans to total capital | 4.21% | 8.52% | -4.31 pts | See points |
| Commercial real estate to total capital | 20.15% | 24.87% | -4.72 pts | See points |
| Dividend payout, year to date | 43.59% | 33.74% | +9.85 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -0.47% | -0.76% | +0.29 pts | See points |
| Liquidity | ||||
| Core deposits | $289.8M | $286.8M | +$2.9M | +1.0% |
| Non-core funding | $57.1M | $57.6M | -$500K | -0.9% |
| Loans to core deposits | 93.63% | 97.37% | -3.74 pts | See points |
| Loans to deposits | 79.82% | 82.76% | -2.94 pts | See points |
| Brokered deposits share of deposits | 3.64% | 3.96% | -0.32 pts | See points |
| Pledged securities share of securities | 0.00% | 0.00% | 0.00 pts | See points |
| Loans pledged, share of loans | 19.74% | 18.89% | +0.85 pts | See points |
| Volatile liabilities | $80.2M | $82.0M | -$1.7M | -2.1% |
| Earnings | ||||
| Earnings before provision, year to date | $4.9M | $3.1M | +$1.7M | +54.8% |
| Earnings before provision, single quarter | $1.7M | $3.1M | -$1.4M | -45.2% |
| Provision for credit losses, year to date | $38K | $4K | +$34K | +850.0% |
| Yield and cost | ||||
| Yield on loans and leases | 6.72% | 9.13% | -2.41 pts | See points |
| Yield on interest-bearing balances due from banks | 3.81% | 4.33% | -0.52 pts | See points |
| Total interest income to average assets | 5.76% | 7.43% | -1.67 pts | See points |
| Cost of interest-bearing transaction accounts | 1.96% | 1.88% | +0.08 pts | See points |
| Cost of savings and money market deposits | 3.01% | 3.00% | +0.01 pts | See points |
| Cost of time deposits | 4.10% | 4.06% | +0.04 pts | See points |
| Total interest expense to average assets | 2.83% | 2.77% | +0.06 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 | $394M | $342M | $269M | 2.14% | 19.75% | 3.66% |
| 2026-06-30 | $393M | $340M | $262M | 2.38% | 21.82% | 3.90% |
| 2026-03-31 | $390M | $337M | $270M | 3.10% | 28.52% | 4.78% |
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 | $317.3M | 0.25% | 90 | 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.