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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Ottumwa, IA · FDIC certificate #9099
SOUTH OTTUMWA SAVINGS BANK is an FDIC-insured institution based in Ottumwa, IA (FDIC certificate #9099). In its Q3 2026 Call Report it reported total assets of $549M, total deposits of $448M and net loans of $327M. Its primary federal regulator is FDIC.
Plain-language readout
SOUTH OTTUMWA SAVINGS BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $565M in Q2 2026 and were lowest at $536M in Q1 2026.
Total deposits were highest at $474M in Q2 2026 and lowest at $446M in Q1 2026.
Over the whole period total assets rose 2.3%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $549M | $448M | $327M | 1.42% | 10.24% | 3.42% |
| Q2 2026 | $565M | $474M | $321M | 1.40% | 10.02% | 3.36% |
| Q1 2026 | $536M | $446M | $324M | 1.36% | 9.57% | 3.38% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $50.2M | $23.3M | +$26.9M | +115.4% |
| 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) | $160.0M | $154.0M | +$6.0M | +3.9% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $320.9M | $323.8M | -$2.9M | -0.9% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $5.6M | $5.7M | -$108K | -1.9% |
| 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) | $12.2M | $12.3M | -$18K | -0.1% |
| All other assets | $16.6M | $17.1M | -$505K | -3.0% |
| Total assets | $565.4M | $536.1M | +$29.3M | +5.5% |
| Liabilities | ||||
| Total deposits | $473.9M | $445.7M | +$28.2M | +6.3% |
| 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 | $12.5M | $12.5M | -$38K | -0.3% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $2.5M | $2.2M | +$298K | +13.3% |
| Total liabilities | $488.9M | $460.5M | +$28.5M | +6.2% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $670K | $670K | $0K | 0.0% |
| Surplus | $20.4M | $20.4M | $0K | 0.0% |
| Retained earnings | $62.3M | $60.9M | +$1.4M | +2.3% |
| Accumulated other comprehensive income | -$6.9M | -$6.3M | -$569K | -9.0% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $76.5M | $75.6M | +$862K | +1.1% |
| Credit and capital | ||||
| Gross nonperforming assets | $2.7M | $1.6M | +$1.1M | +73.0% |
| Adjusted nonperforming assets | $2.7M | $1.6M | +$1.1M | +73.0% |
| Tangible equity plus allowance | $67.7M | $66.8M | +$952K | +1.4% |
| Texas ratio (gross) | 3.99% | 2.34% | +1.65 pts | See points |
| Texas ratio (adjusted) | 3.99% | 2.34% | +1.65 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 3.99% | 2.34% | +1.65 pts | See points |
| Tier 1 capital to risk-weighted assets | 18.33% | 18.22% | +0.11 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 18.33% | 18.22% | +0.11 pts | See points |
| Tier 2 capital to risk-weighted assets | 0.91% | 0.90% | +0.01 pts | See points |
| Total risk-based capital to risk-weighted assets | 19.24% | 19.12% | +0.12 pts | See points |
| Tier 1 leverage (approximate) | 13.00% | 13.44% | -0.43 pts | See points |
| Construction and land loans to total capital | 5.32% | 14.74% | -9.42 pts | See points |
| Commercial real estate to total capital | 65.16% | 70.59% | -5.44 pts | See points |
| Dividend payout, year to date | 40.03% | 53.34% | -13.31 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -10.03% | -9.41% | -0.61 pts | See points |
| Liquidity | ||||
| Core deposits | $438.4M | $406.1M | +$32.4M | +8.0% |
| Non-core funding | $48.0M | $52.2M | -$4.2M | -8.1% |
| Loans to core deposits | 73.99% | 80.58% | -6.60 pts | See points |
| Loans to deposits | 68.45% | 73.42% | -4.97 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 23.48% | 25.21% | -1.73 pts | See points |
| Loans pledged, share of loans | 63.87% | 68.83% | -4.96 pts | See points |
| Volatile liabilities | $48.0M | $52.2M | -$4.2M | -8.1% |
| Earnings | ||||
| Earnings before provision, year to date | $4.0M | $1.8M | +$2.1M | +118.0% |
| Earnings before provision, single quarter | $2.1M | $1.8M | +$328K | +18.0% |
| Provision for credit losses, year to date | $120K | $30K | +$90K | +300.0% |
| Yield and cost | ||||
| Yield on loans and leases | 6.00% | 5.93% | +0.07 pts | See points |
| Yield on interest-bearing balances due from banks | 3.66% | 3.75% | -0.09 pts | See points |
| Total interest income to average assets | 4.33% | 4.34% | -0.01 pts | See points |
| Cost of interest-bearing transaction accounts | 1.74% | 1.66% | +0.08 pts | See points |
| Cost of savings and money market deposits | 1.20% | 1.04% | +0.16 pts | See points |
| Cost of time deposits | 3.03% | 3.03% | -0.00 pts | See points |
| Total interest expense to average assets | 1.29% | 1.26% | +0.02 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 | $549M | $448M | $327M | 1.42% | 10.24% | 3.42% |
| 2026-06-30 | $565M | $474M | $321M | 1.40% | 10.02% | 3.36% |
| 2026-03-31 | $536M | $446M | $324M | 1.36% | 9.57% | 3.38% |
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 | $440.8M | 0.35% | 60 | 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.