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Iowa State Bank

Des Moines, IA · Cert 15808 · Peer group: banks under $1B in assets in the Des Moines-West Des Moines, IA area (n=18-19) · Iowa State Bank Holding Co.

State charter, non-member · FDIC · 5 branches

Q2 2026

$480.5MAssets
$276.6MLoans
$392.0MDeposits
$70.6MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in the Des Moines-West Des Moines, IA area (rank 6 of 18).
  • Widest gap: return on equity trails 89% of banks under $1B in assets in the Des Moines-West Des Moines, IA area (rank 17 of 19).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.40%

Rank 6 of 19

Net Interest Margin

3.41%

Rank 13 of 19

Efficiency Ratio

63.73%

Rank 15 of 19

Equity / Assets

14.68%

Rank 2 of 19

Non-interest income vs. expense

$8.5M$15.4MINCOMEEXPENSE
Unfavorable gap of $6.9M · efficiency ratio beats 26% of banks under $1B in assets in the Des Moines-West Des Moines, IA area
Bank 63.73%Peer median 57.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.40%1.05%1.15%1.42%Beats 68%6 / 19
Return on Equity9.56%10.97%12.15%13.79%Beats 11%17 / 19
Net Interest Margin3.41%3.08%3.50%3.67%Beats 32%13 / 19
Efficiency Ratio63.73%52.38%57.82%63.73%Beats 26%15 / 19
Asset Quality
Nonperforming Loans / Loans0.00%n/a0.21%0.91%Beats 100%6 / 18
Net Charge-Offs / Loans0.00%0.00%0.01%0.01%Beats 100%5 / 18
Capital
Tier 1 Capital Ratio15.92%10.79%12.38%16.13%Beats 68%6 / 19
Total Risk-Based Capital Ratio15.92%11.60%13.40%17.04%Beats 68%6 / 19
Equity / Assets14.68%8.64%9.66%11.07%Beats 89%2 / 19
Liquidity & Funding
Loans / Deposits70.56%65.91%76.09%88.00%37th pctl12 / 19
Loans / Assets57.56%57.37%63.36%76.16%26th pctl14 / 19
Brokered Deposits / Depositsn/aNot reported for this institution