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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Slater, IA · FDIC certificate #17348
SOUTH STORY BANK&TRUST is an FDIC-insured institution based in Slater, IA (FDIC certificate #17348). In its Q3 2026 Call Report it reported total assets of $631M, total deposits of $481M and net loans of $573M. Its primary federal regulator is FDIC.
Plain-language readout
SOUTH STORY BANK&TRUST has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $631M in Q3 2026 and were lowest at $607M in Q1 2026.
Total deposits were highest at $491M in Q2 2026 and lowest at $481M in Q3 2026.
Over the whole period total assets rose 3.9%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $631M | $481M | $573M | 0.72% | 6.15% | 4.10% |
| Q2 2026 | $624M | $491M | $565M | 0.65% | 5.55% | 4.00% |
| Q1 2026 | $607M | $483M | $553M | 0.56% | 4.72% | 3.84% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $29.4M | $25.1M | +$4.3M | +17.0% |
| Federal funds sold | $12K | $12K | $0K | 0.0% |
| 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) | $5.5M | $6.2M | -$711K | -11.4% |
| Equity securities with readily determinable fair values, not held for trading | $31K | $31K | $0K | 0.0% |
| Loans and leases held for sale | $277K | $1.1M | -$837K | -75.1% |
| Net loans and leases (after allowance) | $565.2M | $551.6M | +$13.6M | +2.5% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $5.8M | $5.9M | -$85K | -1.4% |
| Other real estate owned | $990K | $990K | $0K | 0.0% |
| 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) | $7.9M | $7.9M | $0K | 0.0% |
| All other assets | $8.7M | $8.4M | +$327K | +3.9% |
| Total assets | $623.9M | $607.3M | +$16.6M | +2.7% |
| Liabilities | ||||
| Total deposits | $491.3M | $483.3M | +$8.0M | +1.7% |
| 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 | $54.0M | $44.6M | +$9.4M | +21.0% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $5.4M | $7.3M | -$2.0M | -26.6% |
| Total liabilities | $550.7M | $535.3M | +$15.4M | +2.9% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $200K | $200K | $0K | 0.0% |
| Surplus | $51.7M | $51.7M | $0K | 0.0% |
| Retained earnings | $22.0M | $20.8M | +$1.2M | +5.5% |
| Accumulated other comprehensive income | -$643K | -$630K | -$13K | -2.1% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $73.2M | $72.1M | +$1.1M | +1.6% |
| Credit and capital | ||||
| Gross nonperforming assets | $5.4M | $5.4M | +$86K | +1.6% |
| Adjusted nonperforming assets | $5.4M | $5.4M | +$86K | +1.6% |
| Tangible equity plus allowance | $72.4M | $71.0M | +$1.5M | +2.1% |
| Texas ratio (gross) | 7.51% | 7.54% | -0.03 pts | See points |
| Texas ratio (adjusted) | 7.51% | 7.54% | -0.03 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 7.51% | 7.54% | -0.03 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) | 10.93% | 10.77% | +0.15 pts | See points |
| Construction and land loans to total capital | 79.40% | 80.01% | -0.61 pts | See points |
| Commercial real estate to total capital | 260.45% | 255.50% | +4.95 pts | See points |
| Dividend payout, year to date | 0.00% | 0.00% | 0.00 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -1.03% | -1.03% | -0.00 pts | See points |
| Liquidity | ||||
| Core deposits | $345.1M | $339.6M | +$5.5M | +1.6% |
| Non-core funding | $200.2M | $188.4M | +$11.9M | +6.3% |
| Loans to core deposits | 165.87% | 164.46% | +1.41 pts | See points |
| Loans to deposits | 116.49% | 115.54% | +0.95 pts | See points |
| Brokered deposits share of deposits | 22.02% | 22.38% | -0.35 pts | See points |
| Pledged securities share of securities | 50.94% | 49.39% | +1.55 pts | See points |
| Loans pledged, share of loans | 37.14% | 38.27% | -1.13 pts | See points |
| Volatile liabilities | $200.2M | $188.4M | +$11.9M | +6.3% |
| Earnings | ||||
| Earnings before provision, year to date | $3.4M | $1.5M | +$1.9M | +128.3% |
| Earnings before provision, single quarter | $1.9M | $1.5M | +$417K | +28.3% |
| Provision for credit losses, year to date | $690K | $345K | +$345K | +100.0% |
| Yield and cost | ||||
| Yield on loans and leases | 6.65% | 6.27% | +0.38 pts | See points |
| Yield on interest-bearing balances due from banks | 4.02% | 3.76% | +0.26 pts | See points |
| Total interest income to average assets | 6.42% | 6.07% | +0.35 pts | See points |
| Cost of interest-bearing transaction accounts | 2.63% | 2.62% | +0.01 pts | See points |
| Cost of savings and money market deposits | 2.64% | 2.57% | +0.07 pts | See points |
| Cost of time deposits | 3.70% | 3.74% | -0.04 pts | See points |
| Total interest expense to average assets | 2.42% | 2.44% | -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 | $631M | $481M | $573M | 0.72% | 6.15% | 4.10% |
| 2026-06-30 | $624M | $491M | $565M | 0.65% | 5.55% | 4.00% |
| 2026-03-31 | $607M | $483M | $553M | 0.56% | 4.72% | 3.84% |
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 | $465.6M | 0.37% | 56 | 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.