Iowa State Savings Bank
Creston, IA · Cert 8751 · Peer group: banks under $1B in assets in IA (n=134-135) · Ames National Corp.
State charter, non-member · FDIC · 5 affiliate banks · 3 branches (19 in holding)
Q2 2026
$276.5MAssets
$164.2MLoans
$246.2MDeposits
$27.3MEquity
Executive Summary
- Strongest standing: return on equity outperforms 82% of banks under $1B in assets in IA (rank 24 of 135).
- Widest gap: equity / assets trails 75% of banks under $1B in assets in IA (rank 101 of 135).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
1.43%
Rank 47 of 135
Net Interest Margin
3.51%
Rank 54 of 135
Efficiency Ratio
53.94%
Rank 54 of 135
Equity / Assets
9.87%
Rank 101 of 135
Non-interest income vs. expense
Unfavorable gap of $4.9M · efficiency ratio beats 61% 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 | 1.43% | 0.92% | 1.19% | 1.47% | Beats 65% | 47 / 135 | |
| Return on Equity | 14.46% | 7.99% | 10.26% | 13.14% | Beats 82% | 24 / 135 | |
| Net Interest Margin | 3.51% | 2.95% | 3.41% | 3.73% | Beats 60% | 54 / 135 | |
| Efficiency Ratio | 53.94% | 50.61% | 57.35% | 63.29% | Beats 61% | 54 / 135 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.20% | 0.03% | 0.51% | 1.26% | Beats 65% | 48 / 134 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.03% | Beats 51% | 66 / 134 | |
| Capital |
| Tier 1 Capital Ratio | 15.24% | 11.23% | 13.31% | 15.45% | Beats 73% | 37 / 135 | |
| Total Risk-Based Capital Ratio | 16.49% | 11.61% | 14.06% | 16.47% | Beats 76% | 33 / 135 | |
| Equity / Assets | 9.87% | 9.87% | 11.05% | 13.07% | Beats 25% | 101 / 135 | |
| Liquidity & Funding |
| Loans / Deposits | 66.68% | 68.54% | 81.55% | 91.24% | 22nd pctl | 105 / 134 | |
| Loans / Assets | 59.38% | 57.61% | 68.06% | 76.23% | 31st pctl | 93 / 135 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |