Iowa Savings Bank
Carroll, IA · Cert 14690 · Peer group: banks under $1B in assets in IA (n=137-138)
State charter, non-member · 5 branches
Q1 2026
$295.0MAssets
$149.4MLoans
$265.2MDeposits
$22.4MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in IA (rank 69 of 137).
- Widest gap: total risk-based capital ratio trails 100% of banks under $1B in assets in IA (rank 138 of 138).
- Overall: at or above the peer median on 2 of 10 directional measures.
Return on Assets
1.00%
Rank 86 of 138
Net Interest Margin
2.78%
Rank 111 of 138
Efficiency Ratio
60.41%
Rank 81 of 138
Equity / Assets
7.60%
Rank 132 of 138
Non-interest income vs. expense
Unfavorable gap of $4.5M · efficiency ratio beats 42% 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 | 1.00% | 0.88% | 1.20% | 1.46% | Beats 38% | 86 / 138 | |
| Return on Equity | 13.16% | 7.71% | 10.09% | 13.16% | Beats 75% | 35 / 138 | |
| Net Interest Margin | 2.78% | 2.92% | 3.38% | 3.67% | Beats 20% | 111 / 138 | |
| Efficiency Ratio | 60.41% | 50.19% | 58.43% | 64.87% | Beats 42% | 81 / 138 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.33% | 0.05% | 0.37% | 1.19% | Beats 22% | 108 / 137 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.01% | Beats 100% | 69 / 137 | |
| Capital |
| Tier 1 Capital Ratio | 8.35% | 11.29% | 13.41% | 15.32% | Beats 0% | 138 / 138 | |
| Total Risk-Based Capital Ratio | 8.35% | 11.60% | 13.87% | 16.26% | Beats 0% | 138 / 138 | |
| Equity / Assets | 7.60% | 9.50% | 10.74% | 12.86% | Beats 4% | 132 / 138 | |
| Liquidity & Funding |
| Loans / Deposits | 56.34% | 67.26% | 78.96% | 89.96% | 12th pctl | 121 / 137 | |
| Loans / Assets | 50.65% | 57.06% | 66.39% | 75.46% | 16th pctl | 116 / 138 | |
| Brokered Deposits / Deposits | 0.00% | n/a | n/a | 2.00% | Beats 39% | 84 / 137 | |