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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Cascade, IA · FDIC certificate #10111
OHNWARD BANK&TRUST is an FDIC-insured institution based in Cascade, IA (FDIC certificate #10111). In its Q3 2026 Call Report it reported total assets of $503M, total deposits of $417M and net loans of $394M. Its primary federal regulator is FDIC.
Plain-language readout
OHNWARD BANK&TRUST has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $503M in Q3 2026 and were lowest at $489M in Q1 2026.
Total deposits were highest at $418M in Q2 2026 and lowest at $409M in Q1 2026.
Over the whole period total assets rose 2.9%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $503M | $417M | $394M | 1.39% | 11.57% | 4.05% |
| Q2 2026 | $499M | $418M | $388M | 1.39% | 11.47% | 4.00% |
| Q1 2026 | $489M | $409M | $377M | 1.37% | 11.32% | 3.94% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $6.0M | $6.2M | -$194K | -3.1% |
| 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) | $81.8M | $82.4M | -$618K | -0.8% |
| Equity securities with readily determinable fair values, not held for trading | $62K | $47K | +$15K | +31.9% |
| Loans and leases held for sale | $841K | $803K | +$38K | +4.7% |
| Net loans and leases (after allowance) | $387.2M | $375.9M | +$11.4M | +3.0% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $5.3M | $5.4M | -$83K | -1.5% |
| 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) | $1.5M | $1.5M | $0K | 0.0% |
| All other assets | $16.3M | $17.0M | -$694K | -4.1% |
| Total assets | $499.1M | $489.2M | +$9.8M | +2.0% |
| Liabilities | ||||
| Total deposits | $417.6M | $408.8M | +$8.8M | +2.2% |
| Federal funds purchased | $0K | $4.2M | -$4.2M | -100.0% |
| Securities sold under agreements to repurchase | $3.7M | $3.6M | +$87K | +2.4% |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $12.1M | $8.0M | +$4.1M | +50.6% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $5.1M | $5.2M | -$108K | -2.1% |
| Total liabilities | $438.5M | $429.9M | +$8.6M | +2.0% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $150K | $150K | $0K | 0.0% |
| Surplus | $7.0M | $7.0M | $0K | 0.0% |
| Retained earnings | $57.0M | $55.7M | +$1.3M | +2.3% |
| Accumulated other comprehensive income | -$3.5M | -$3.5M | -$78K | -2.3% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $60.6M | $59.4M | +$1.2M | +2.0% |
| Credit and capital | ||||
| Gross nonperforming assets | $2.4M | $2.4M | -$74K | -3.0% |
| Adjusted nonperforming assets | $2.4M | $2.4M | -$74K | -3.0% |
| Tangible equity plus allowance | $63.4M | $62.0M | +$1.4M | +2.3% |
| Texas ratio (gross) | 3.71% | 3.92% | -0.20 pts | See points |
| Texas ratio (adjusted) | 3.71% | 3.92% | -0.20 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 4.53% | 5.29% | -0.76 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 12.58% | 12.65% | -0.07 pts | See points |
| Construction and land loans to total capital | 44.18% | 54.99% | -10.81 pts | See points |
| Commercial real estate to total capital | 136.16% | 127.52% | +8.64 pts | See points |
| Dividend payout, year to date | 13.22% | 0.00% | +13.22 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -7.40% | -7.39% | -0.01 pts | See points |
| Liquidity | ||||
| Core deposits | $356.2M | $357.6M | -$1.4M | -0.4% |
| Non-core funding | $77.2M | $67.1M | +$10.2M | +15.2% |
| Loans to core deposits | 109.93% | 106.25% | +3.68 pts | See points |
| Loans to deposits | 93.76% | 92.95% | +0.81 pts | See points |
| Brokered deposits share of deposits | 0.06% | 0.00% | +0.06 pts | See points |
| Pledged securities share of securities | 6.69% | 5.92% | +0.77 pts | See points |
| Loans pledged, share of loans | 10.70% | 10.41% | +0.29 pts | See points |
| Volatile liabilities | $77.2M | $67.1M | +$10.2M | +15.2% |
| Earnings | ||||
| Earnings before provision, year to date | $4.7M | $2.3M | +$2.4M | +105.8% |
| Earnings before provision, single quarter | $2.4M | $2.3M | +$132K | +5.8% |
| Provision for credit losses, year to date | $330K | $140K | +$190K | +135.7% |
| Yield and cost | ||||
| Yield on loans and leases | 6.79% | 6.71% | +0.08 pts | See points |
| Yield on interest-bearing balances due from banks | 1.61% | 2.42% | -0.81 pts | See points |
| Total interest income to average assets | 5.77% | 5.64% | +0.13 pts | See points |
| Cost of interest-bearing transaction accounts | 1.38% | 1.34% | +0.04 pts | See points |
| Cost of savings and money market deposits | 2.25% | 2.19% | +0.07 pts | See points |
| Cost of time deposits | 3.63% | 3.75% | -0.11 pts | See points |
| Total interest expense to average assets | 1.95% | 1.91% | +0.04 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 | $503M | $417M | $394M | 1.39% | 11.57% | 4.05% |
| 2026-06-30 | $499M | $418M | $388M | 1.39% | 11.47% | 4.00% |
| 2026-03-31 | $489M | $409M | $377M | 1.37% | 11.32% | 3.94% |
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 | $380.4M | 0.30% | 72 | Continuing · +0.03 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.