State Savings Bank
West Des Moines, IA · Cert 248 · Peer group: banks under $1B in assets in the Des Moines-West Des Moines, IA area (n=18-19) · SSB Holding Co. Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
$291.9MAssets
$235.8MLoans
$222.1MDeposits
$25.2MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 74% of banks under $1B in assets in the Des Moines-West Des Moines, IA area (rank 6 of 19).
- Widest gap: net charge-offs / loans trails 94% of banks under $1B in assets in the Des Moines-West Des Moines, IA area (rank 18 of 18).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
1.05%
Rank 15 of 19
Net Interest Margin
3.56%
Rank 7 of 19
Efficiency Ratio
54.39%
Rank 6 of 19
Equity / Assets
8.64%
Rank 15 of 19
Non-interest income vs. expense
Unfavorable gap of $5.4M · efficiency ratio beats 74% 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 | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.05% | 1.05% | 1.15% | 1.42% | Beats 21% | 15 / 19 | |
| Return on Equity | 12.15% | 10.97% | 12.15% | 13.79% | Beats 47% | 10 / 19 | |
| Net Interest Margin | 3.56% | 3.08% | 3.50% | 3.67% | Beats 63% | 7 / 19 | |
| Efficiency Ratio | 54.39% | 52.38% | 57.82% | 63.73% | Beats 74% | 6 / 19 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.02% | n/a | 0.21% | 0.91% | Beats 17% | 16 / 18 | |
| Net Charge-Offs / Loans | 0.26% | 0.00% | 0.01% | 0.01% | Beats 6% | 18 / 18 | |
| Capital |
| Tier 1 Capital Ratio | 10.79% | 10.79% | 12.38% | 16.13% | Beats 26% | 14 / 19 | |
| Total Risk-Based Capital Ratio | 12.05% | 11.60% | 13.40% | 17.04% | Beats 37% | 12 / 19 | |
| Equity / Assets | 8.64% | 8.64% | 9.66% | 11.07% | Beats 21% | 15 / 19 | |
| Liquidity & Funding |
| Loans / Deposits | 106.16% | 65.91% | 76.09% | 88.00% | 89th pctl | 2 / 19 | |
| Loans / Assets | 80.77% | 57.37% | 63.36% | 76.16% | 89th pctl | 2 / 19 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |