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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Emmetsburg, IA · FDIC certificate #18400
IOWA TRUST&SAVINGS BANK is an FDIC-insured institution based in Emmetsburg, IA (FDIC certificate #18400). In its Q3 2026 Call Report it reported total assets of $524M, total deposits of $398M and net loans of $375M. Its primary federal regulator is FDIC.
Plain-language readout
IOWA TRUST&SAVINGS BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $524M in Q3 2026 and were lowest at $518M in Q1 2026.
Total deposits were highest at $398M in Q3 2026 and lowest at $392M in Q1 2026.
Over the whole period total assets rose 1.2%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $524M | $398M | $375M | 0.75% | 6.76% | 3.59% |
| Q2 2026 | $522M | $396M | $366M | 0.75% | 6.61% | 3.57% |
| Q1 2026 | $518M | $392M | $364M | 0.77% | 6.79% | 3.51% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $25.8M | $27.8M | -$2.0M | -7.1% |
| 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) | $97.3M | $93.2M | +$4.1M | +4.4% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $150K | $255K | -$105K | -41.2% |
| Net loans and leases (after allowance) | $366.0M | $364.2M | +$1.9M | +0.5% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $16.1M | $16.3M | -$226K | -1.4% |
| Other real estate owned | $442K | $206K | +$236K | +114.6% |
| 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) | $4.9M | $4.8M | +$11K | +0.2% |
| All other assets | $11.3M | $10.9M | +$445K | +4.1% |
| Total assets | $522.0M | $517.6M | +$4.4M | +0.8% |
| Liabilities | ||||
| Total deposits | $396.4M | $392.5M | +$3.9M | +1.0% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $280K | $494K | -$214K | -43.3% |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $50.0M | $50.0M | $0K | 0.0% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $15.7M | $16.0M | -$307K | -1.9% |
| Total liabilities | $462.4M | $459.0M | +$3.4M | +0.7% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $100K | $100K | $0K | 0.0% |
| Surplus | $25.8M | $25.8M | $0K | 0.0% |
| Retained earnings | $34.5M | $34.5M | +$56K | +0.2% |
| Accumulated other comprehensive income | -$799K | -$1.7M | +$899K | +52.9% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $59.6M | $58.7M | +$955K | +1.6% |
| Credit and capital | ||||
| Gross nonperforming assets | $3.4M | $1.4M | +$2.0M | +140.0% |
| Adjusted nonperforming assets | $3.4M | $1.4M | +$2.0M | +140.0% |
| Tangible equity plus allowance | $59.9M | $59.0M | +$878K | +1.5% |
| Texas ratio (gross) | 5.66% | 2.40% | +3.27 pts | See points |
| Texas ratio (adjusted) | 5.66% | 2.40% | +3.27 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 5.66% | 2.40% | +3.27 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | 12.66% | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | 12.66% | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | 1.21% | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | 13.87% | Not reported | See points |
| Tier 1 leverage (approximate) | 10.82% | 10.84% | -0.02 pts | See points |
| Construction and land loans to total capital | 112.75% | 113.21% | -0.46 pts | See points |
| Commercial real estate to total capital | 342.03% | 339.50% | +2.53 pts | See points |
| Dividend payout, year to date | 61.35% | 29.97% | +31.38 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -10.92% | -13.19% | +2.26 pts | See points |
| Liquidity | ||||
| Core deposits | $333.4M | $330.0M | +$3.4M | +1.0% |
| Non-core funding | $113.3M | $113.0M | +$279K | +0.2% |
| Loans to core deposits | 111.33% | 111.94% | -0.61 pts | See points |
| Loans to deposits | 93.63% | 94.11% | -0.48 pts | See points |
| Brokered deposits share of deposits | 0.01% | 0.01% | -0.00 pts | See points |
| Pledged securities share of securities | 51.25% | 52.73% | -1.48 pts | See points |
| Loans pledged, share of loans | 49.27% | 48.58% | +0.69 pts | See points |
| Volatile liabilities | $123.1M | $123.4M | -$215K | -0.2% |
| Earnings | ||||
| Earnings before provision, year to date | $2.0M | $1.0M | +$995K | +95.4% |
| Earnings before provision, single quarter | $995K | $1.0M | -$48K | -4.6% |
| Provision for credit losses, year to date | $0K | $0K | $0K | n/a |
| Yield and cost | ||||
| Yield on loans and leases | 6.31% | 6.15% | +0.16 pts | See points |
| Yield on interest-bearing balances due from banks | 3.33% | 3.12% | +0.20 pts | See points |
| Total interest income to average assets | 5.31% | 5.14% | +0.18 pts | See points |
| Cost of interest-bearing transaction accounts | 1.95% | 1.73% | +0.22 pts | See points |
| Cost of savings and money market deposits | 2.16% | 1.64% | +0.52 pts | See points |
| Cost of time deposits | 3.74% | 3.83% | -0.09 pts | See points |
| Total interest expense to average assets | 1.90% | 1.85% | +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 | $524M | $398M | $375M | 0.75% | 6.76% | 3.59% |
| 2026-06-30 | $522M | $396M | $366M | 0.75% | 6.61% | 3.57% |
| 2026-03-31 | $518M | $392M | $364M | 0.77% | 6.79% | 3.51% |
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 | $402.5M | 0.32% | 69 | Continuing · -0.01 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.