City State Bank
Norwalk, IA · Cert 14410 · Peer group: banks under $1B in assets in the Des Moines-West Des Moines, IA area (n=18-19) · Albrecht Finl Services Inc.
State charter, non-member · FDIC · 8 branches
Q2 2026
$787.9MAssets
$600.1MLoans
$693.2MDeposits
$74.8MEquity
Executive Summary
- Strongest standing: return on equity outperforms 84% of banks under $1B in assets in the Des Moines-West Des Moines, IA area (rank 3 of 19).
- Widest gap: total risk-based capital ratio trails 95% of banks under $1B in assets in the Des Moines-West Des Moines, IA area (rank 18 of 19).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
1.49%
Rank 4 of 19
Net Interest Margin
3.08%
Rank 15 of 19
Efficiency Ratio
57.51%
Rank 9 of 19
Equity / Assets
9.49%
Rank 11 of 19
Non-interest income vs. expense
Unfavorable gap of $9.1M · efficiency ratio beats 58% of banks under $1B in assets in the Des Moines-West Des Moines, IA area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.49% | 1.05% | 1.15% | 1.42% | Beats 79% | 4 / 19 | | |
| Return on Equity | 15.68% | 10.97% | 12.15% | 13.79% | Beats 84% | 3 / 19 | | |
| Net Interest Margin | 3.08% | 3.08% | 3.50% | 3.67% | Beats 21% | 15 / 19 | | |
| Efficiency Ratio | 57.51% | 52.38% | 57.82% | 63.73% | Beats 58% | 9 / 19 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.27% | n/a | 0.21% | 0.91% | Beats 44% | 11 / 18 | | |
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.01% | 0.01% | Beats 17% | 16 / 18 | | |
| Capital |
| Tier 1 Capital Ratio | 9.37% | 10.79% | 12.38% | 16.13% | Beats 5% | 18 / 19 | | |
| Total Risk-Based Capital Ratio | 9.37% | 11.60% | 13.40% | 17.04% | Beats 5% | 18 / 19 | | |
| Equity / Assets | 9.49% | 8.64% | 9.66% | 11.07% | Beats 42% | 11 / 19 | | |
| Liquidity & Funding |
| Loans / Deposits | 86.57% | 65.91% | 76.09% | 88.00% | 68th pctl | 6 / 19 | | |
| Loans / Assets | 76.16% | 57.37% | 63.36% | 76.16% | 74th pctl | 5 / 19 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |