State Savings Bank
Bedford, IA · Cert 14773 · Peer group: banks under $1B in assets in IA (n=134-135) · SSB Bcorp Inc.
State charter, non-member · FDIC · 5 branches
Q2 2026
$207.2MAssets
$185.4MLoans
$181.3MDeposits
$23.1MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 88% of banks under $1B in assets in IA (rank 16 of 135).
- Widest gap: total risk-based capital ratio trails 95% of banks under $1B in assets in IA (rank 128 of 135).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.45%
Rank 39 of 135
Net Interest Margin
4.03%
Rank 16 of 135
Efficiency Ratio
48.76%
Rank 28 of 135
Equity / Assets
11.17%
Rank 66 of 135
Non-interest income vs. expense
Unfavorable gap of $3.8M · efficiency ratio beats 80% of banks under $1B in assets in IA | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.45% | 0.92% | 1.19% | 1.47% | Beats 71% | 39 / 135 | | |
| Return on Equity | 13.00% | 7.99% | 10.26% | 13.14% | Beats 74% | 35 / 135 | | |
| Net Interest Margin | 4.03% | 2.95% | 3.41% | 3.73% | Beats 88% | 16 / 135 | | |
| Efficiency Ratio | 48.76% | 50.61% | 57.35% | 63.29% | Beats 80% | 28 / 135 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.72% | 0.03% | 0.51% | 1.26% | Beats 42% | 79 / 134 | | |
| Net Charge-Offs / Loans | 0.05% | n/a | 0.01% | 0.03% | Beats 19% | 110 / 134 | | |
| Capital |
| Tier 1 Capital Ratio | 10.04% | 11.23% | 13.31% | 15.45% | Beats 6% | 127 / 135 | | |
| Total Risk-Based Capital Ratio | 10.04% | 11.61% | 14.06% | 16.47% | Beats 5% | 128 / 135 | | |
| Equity / Assets | 11.17% | 9.87% | 11.05% | 13.07% | Beats 51% | 66 / 135 | | |
| Liquidity & Funding |
| Loans / Deposits | 102.24% | 68.54% | 81.55% | 91.24% | 90th pctl | 13 / 134 | | |
| Loans / Assets | 89.49% | 57.61% | 68.06% | 76.23% | 97th pctl | 4 / 135 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |