Ashton State Bank is a state-chartered bank headquartered in Ashton, Iowa, in business for about 142 years. At the end of Q2 2026 it reported $54.5M in total assets and $44.5M in deposits, with 1 office.
Based on its Q2 2026 filing, Ashton State Bank scores 84/100, which we describe as strong. That is higher than 76% of 546 banks with under $100 million in assets. Among 226 banks headquartered in Iowa, it ranks 36th. Its strongest component is capital cushion (97/100; 14.70%), and its lowest is loan quality (71/100; 0.88%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 24 points (60 → 84), mostly because the loan quality component improved by 71 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 82 |
| Q3 2024 | 83 |
| Q4 2024 | 82 |
| Q1 2025 | 86 |
| Q2 2025 | 60 |
| Q3 2025 | 87 |
| Q4 2025 | 80 |
| Q1 2026 | 83 |
| Q2 2026 | 84 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 13.82% |
| Q3 2024 | 13.69% |
| Q4 2024 | 13.32% |
| Q1 2025 | 13.56% |
| Q2 2025 | 14.14% |
| Q3 2025 | 14.76% |
| Q4 2025 | 14.35% |
| Q1 2026 | 14.54% |
| Q2 2026 | 14.70% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.30% |
| Q3 2024 | 0.06% |
| Q4 2024 | 0.01% |
| Q1 2025 | 0.00% |
| Q2 2025 | 3.97% |
| Q3 2025 | 0.63% |
| Q4 2025 | 1.13% |
| Q1 2026 | 0.82% |
| Q2 2026 | 0.88% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.00% |
| Q3 2024 | 0.93% |
| Q4 2024 | 0.87% |
| Q1 2025 | 1.12% |
| Q2 2025 | 1.29% |
| Q3 2025 | 1.42% |
| Q4 2025 | 1.39% |
| Q1 2026 | 1.27% |
| Q2 2026 | 1.41% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 84 | $54.5M | 14.70% | 0.88% | 1.41% | 76.7% |
| Q1 2026 | 83 | $55.0M | 14.54% | 0.82% | 1.27% | 77.5% |
| Q4 2025 | 80 | $54.3M | 14.35% | 1.13% | 1.39% | 79.1% |
| Q3 2025 | 87 | $53.8M | 14.76% | 0.63% | 1.42% | 76.1% |
| Q2 2025 | 60 | $54.6M | 14.14% | 3.97% | 1.29% | 76.7% |
| Q1 2025 | 86 | $55.3M | 13.56% | 0.00% | 1.12% | 80.4% |
| Q4 2024 | 82 | $56.6M | 13.32% | 0.01% | 0.87% | 84.6% |
| Q3 2024 | 83 | $55.8M | 13.69% | 0.06% | 0.93% | 86.7% |
| Q2 2024 | 82 | $54.9M | 13.82% | 0.30% | 1.00% | 82.6% |
546 peers · Under $100 million in assets
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Iowa
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Montezuma State BankBank Montezuma, IA | 68 out of 100, Moderate | $54.6M | 14.9% | 6.94% | vs |
| The Exchange State BankBank Springville, IA | 70 out of 100, Strong | $52.7M | 9.5% | 0.57% | vs |
| Benton County State BankBank Blairstown, IA | 87 out of 100, Very strong | $50.8M | 15.2% | 0.00% | vs |
| Palo Savings BankBank Palo, IA | 81 out of 100, Strong | $49.2M | 11.7% | 0.19% | vs |
| State Central BankBank Bonaparte, IA | 84 out of 100, Strong | $63.2M | 16.1% | 1.11% | vs |
| ITS BankBank Johnston, IA | 98 out of 100, Very strong | $45.2M | 97.5% | 0.00% | vs |
Deposit insurance
Is my money safe at Ashton State Bank?
Yes. Ashton State Bank is an FDIC-insured institution (FDIC certificate #11343). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 8.3% of deposits ($3.7M) are above the $250,000 FDIC insurance limit, below the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 14.70%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 20.26% (benchmark: 10%).
1 location
Branches
Ashton State Bank lists 1 office in 1 city. Most locations:
- Ashton, IA (1)
Identity & history
Profile
- Legal name
- Ashton State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 11343
- RSSD ID
- 821643
- Primary regulator
- FDIC
- Holding company
- Ashton Bancshares Inc
- Established
- March 1, 1884
- Headquarters
- 317 3rd St, Ashton, IA 51232
- Website
- www.ashtonstatebank.com
- Employees
- 7
Quick answers
Ashton State Bank: common questions
Is Ashton State Bank FDIC insured?
Yes. Ashton State Bank is an FDIC-insured institution (FDIC certificate #11343). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Ashton State Bank's TellerScore?
84 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Ashton State Bank ever failed?
There is no failure record for FDIC certificate #11343 in the FDIC failed bank list.
How many branches does Ashton State Bank have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Ashton
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Citizens State BankBank Sheldon, IA | 87 out of 100, Very strong | $194.7M | 12.5% | 0.00% | vs |
| The First National Bank of PrimgharBank Primghar, IA | 84 out of 100, Strong | $36.3M | 14.3% | 0.00% | vs |
| The Security National Bank of Sioux City, IowaBank Sioux City, IA | 81 out of 100, Strong | $1.7B | 12.8% | 0.26% | vs |
| Savings BankBank Primghar, IA | 80 out of 100, Strong | $304.8M | 13.6% | 0.32% | vs |
| Iowa State BankBank Hull, IA | 78 out of 100, Strong | $1.3B | 11.7% | 0.06% | vs |
| Sibley State BankBank Sibley, IA | 77 out of 100, Strong | $104.4M | 11.0% | 0.46% | vs |