Iowa State Bank
Sac City, IA · Cert 10497 · Peer group: banks under $1B in assets in IA (n=134-135) · Sac City Ltd.
State charter, non-member · FDIC · 3 branches
Q2 2026
$213.3MAssets
$153.2MLoans
$187.5MDeposits
$24.8MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 64% of banks under $1B in assets in IA (rank 50 of 135).
- Widest gap: net charge-offs / loans trails 93% of banks under $1B in assets in IA (rank 126 of 134).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
1.18%
Rank 71 of 135
Net Interest Margin
3.02%
Rank 95 of 135
Efficiency Ratio
52.91%
Rank 50 of 135
Equity / Assets
11.65%
Rank 57 of 135
Non-interest income vs. expense
Unfavorable gap of $3.1M · efficiency ratio beats 64% of banks under $1B in assets in IA | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.18% | 0.92% | 1.19% | 1.47% | Beats 47% | 71 / 135 | |
| Return on Equity | 10.15% | 7.99% | 10.26% | 13.14% | Beats 48% | 70 / 135 | |
| Net Interest Margin | 3.02% | 2.95% | 3.41% | 3.73% | Beats 30% | 95 / 135 | |
| Efficiency Ratio | 52.91% | 50.61% | 57.35% | 63.29% | Beats 64% | 50 / 135 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.84% | 0.03% | 0.51% | 1.26% | Beats 16% | 114 / 134 | |
| Net Charge-Offs / Loans | 0.23% | n/a | 0.01% | 0.03% | Beats 7% | 126 / 134 | |
| Capital |
| Tier 1 Capital Ratio | 11.53% | 11.23% | 13.31% | 15.45% | Beats 29% | 96 / 135 | |
| Total Risk-Based Capital Ratio | 11.53% | 11.61% | 14.06% | 16.47% | Beats 24% | 103 / 135 | |
| Equity / Assets | 11.65% | 9.87% | 11.05% | 13.07% | Beats 58% | 57 / 135 | |
| Liquidity & Funding |
| Loans / Deposits | 81.73% | 68.54% | 81.55% | 91.24% | 51st pctl | 65 / 134 | |
| Loans / Assets | 71.82% | 57.61% | 68.06% | 76.23% | 59th pctl | 56 / 135 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |