Iowa Trust & Savings Bank
Emmetsburg, IA · Cert 18400 · Peer group: banks under $1B in assets in IA (n=134-135) · Emmetsburg Bank Shares Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
$522.0MAssets
$371.3MLoans
$396.4MDeposits
$59.6MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 56% of banks under $1B in assets in IA (rank 60 of 135).
- Widest gap: net charge-offs / loans trails 93% of banks under $1B in assets in IA (rank 125 of 134).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
0.61%
Rank 124 of 135
Net Interest Margin
3.37%
Rank 70 of 135
Efficiency Ratio
77.69%
Rank 123 of 135
Equity / Assets
11.42%
Rank 60 of 135
Non-interest income vs. expense
Unfavorable gap of $13.2M · efficiency ratio beats 10% 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 | 0.61% | 0.92% | 1.19% | 1.47% | Beats 8% | 124 / 135 | |
| Return on Equity | 5.37% | 7.99% | 10.26% | 13.14% | Beats 9% | 123 / 135 | |
| Net Interest Margin | 3.37% | 2.95% | 3.41% | 3.73% | Beats 48% | 70 / 135 | |
| Efficiency Ratio | 77.69% | 50.61% | 57.35% | 63.29% | Beats 10% | 123 / 135 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.79% | 0.03% | 0.51% | 1.26% | Beats 37% | 85 / 134 | |
| Net Charge-Offs / Loans | 0.19% | n/a | 0.01% | 0.03% | Beats 7% | 125 / 134 | |
| Capital |
| Tier 1 Capital Ratio | 10.82% | 11.23% | 13.31% | 15.45% | Beats 16% | 114 / 135 | |
| Total Risk-Based Capital Ratio | 10.82% | 11.61% | 14.06% | 16.47% | Beats 13% | 117 / 135 | |
| Equity / Assets | 11.42% | 9.87% | 11.05% | 13.07% | Beats 56% | 60 / 135 | |
| Liquidity & Funding |
| Loans / Deposits | 93.67% | 68.54% | 81.55% | 91.24% | 78th pctl | 29 / 134 | |
| Loans / Assets | 71.13% | 57.61% | 68.06% | 76.23% | 57th pctl | 58 / 135 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |