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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Algona, IA · FDIC certificate #950
IOWA STATE BANK is an FDIC-insured institution based in Algona, IA (FDIC certificate #950). In its Q3 2026 Call Report it reported total assets of $474M, total deposits of $383M and net loans of $310M. 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 $480M in Q1 2026 and were lowest at $471M in Q2 2026.
Total deposits were highest at $385M in Q1 2026 and lowest at $379M in Q2 2026.
Over the whole period total assets fell 1.1%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $474M | $383M | $310M | 1.15% | 13.20% | 3.37% |
| Q2 2026 | $471M | $379M | $300M | 1.11% | 12.44% | 3.31% |
| Q1 2026 | $480M | $385M | $297M | 0.94% | 10.72% | 3.25% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $18.0M | $17.4M | +$635K | +3.7% |
| Federal funds sold | $5.1M | $16.2M | -$11.2M | -68.8% |
| 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) | $116.9M | $118.4M | -$1.5M | -1.2% |
| Equity securities with readily determinable fair values, not held for trading | $435K | $331K | +$104K | +31.4% |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $300.0M | $297.2M | +$2.8M | +0.9% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $3.1M | $3.1M | +$48K | +1.6% |
| 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) | $3.1M | $3.1M | $0K | 0.0% |
| All other assets | $24.1M | $24.1M | +$37K | +0.2% |
| Total assets | $470.7M | $479.8M | -$9.0M | -1.9% |
| Liabilities | ||||
| Total deposits | $378.9M | $384.6M | -$5.7M | -1.5% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $7.4M | $12.1M | -$4.7M | -38.6% |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $38.0M | $38.0M | $0K | 0.0% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $3.6M | $3.7M | -$140K | -3.8% |
| Total liabilities | $427.9M | $438.4M | -$10.5M | -2.4% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $1.0M | $1.0M | $0K | 0.0% |
| Surplus | $13.2M | $13.2M | $0K | 0.0% |
| Retained earnings | $42.8M | $42.1M | +$751K | +1.8% |
| Accumulated other comprehensive income | -$14.2M | -$14.9M | +$705K | +4.7% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $42.9M | $41.4M | +$1.5M | +3.5% |
| Credit and capital | ||||
| Gross nonperforming assets | $467K | $370K | +$97K | +26.2% |
| Adjusted nonperforming assets | $467K | $370K | +$97K | +26.2% |
| Tangible equity plus allowance | $43.8M | $42.4M | +$1.5M | +3.5% |
| Texas ratio (gross) | 1.07% | 0.87% | +0.19 pts | See points |
| Texas ratio (adjusted) | 1.07% | 0.87% | +0.19 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 1.07% | 0.87% | +0.19 pts | See points |
| Tier 1 capital to risk-weighted assets | 15.83% | 15.69% | +0.14 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 15.83% | 15.69% | +0.14 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.21% | 1.22% | -0.00 pts | See points |
| Total risk-based capital to risk-weighted assets | 17.05% | 16.91% | +0.14 pts | See points |
| Tier 1 leverage (approximate) | 11.17% | 11.04% | +0.13 pts | See points |
| Construction and land loans to total capital | 15.41% | 17.33% | -1.92 pts | See points |
| Commercial real estate to total capital | 29.03% | 31.32% | -2.29 pts | See points |
| Dividend payout, year to date | 55.34% | 62.56% | -7.21 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -34.72% | -37.11% | +2.39 pts | See points |
| Liquidity | ||||
| Core deposits | $304.8M | $301.6M | +$3.2M | +1.1% |
| Non-core funding | $119.5M | $133.1M | -$13.6M | -10.2% |
| Loans to core deposits | 99.75% | 99.89% | -0.14 pts | See points |
| Loans to deposits | 80.25% | 78.33% | +1.91 pts | See points |
| Brokered deposits share of deposits | 10.05% | 9.90% | +0.15 pts | See points |
| Pledged securities share of securities | 88.52% | 89.08% | -0.56 pts | See points |
| Loans pledged, share of loans | 34.69% | 39.15% | -4.45 pts | See points |
| Volatile liabilities | $119.5M | $133.1M | -$13.6M | -10.2% |
| Earnings | ||||
| Earnings before provision, year to date | $3.3M | $1.5M | +$1.8M | +123.6% |
| Earnings before provision, single quarter | $1.8M | $1.5M | +$346K | +23.6% |
| Provision for credit losses, year to date | $14K | $0K | +$14K | n/a |
| Yield and cost | ||||
| Yield on loans and leases | 6.64% | 6.51% | +0.14 pts | See points |
| Yield on interest-bearing balances due from banks | 3.27% | 2.61% | +0.66 pts | See points |
| Total interest income to average assets | 4.95% | 4.82% | +0.13 pts | See points |
| Cost of interest-bearing transaction accounts | 0.81% | 1.43% | -0.61 pts | See points |
| Cost of savings and money market deposits | 2.03% | 1.94% | +0.09 pts | See points |
| Cost of time deposits | 3.99% | 3.51% | +0.48 pts | See points |
| Total interest expense to average assets | 1.94% | 1.91% | +0.03 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 | $474M | $383M | $310M | 1.15% | 13.20% | 3.37% |
| 2026-06-30 | $471M | $379M | $300M | 1.11% | 12.44% | 3.31% |
| 2026-03-31 | $480M | $385M | $297M | 0.94% | 10.72% | 3.25% |
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 | $339.6M | 0.27% | 83 | 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.