Audubon State Bank is a state-chartered bank headquartered in Audubon, Iowa, in business for about 150 years. At the end of Q2 2026 it reported $155.3M in total assets and $131.0M in deposits, with 1 office.
Based on its Q2 2026 filing, Audubon State Bank scores 78/100, which we describe as strong. That is higher than 72% of 2,650 banks with $100 million – $1 billion. Among 226 banks headquartered in Iowa, it ranks 75th. Its strongest component is earnings (100/100; 2.38%), and its lowest is funding & liquidity (54/100; 93% loans-to-deposits, 27% uninsured).
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
The score has been essentially flat from Q2 2025 to Q2 2026 (78 → 78).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 77 |
| Q3 2024 | 76 |
| Q4 2024 | 75 |
| Q1 2025 | 76 |
| Q2 2025 | 78 |
| Q3 2025 | 78 |
| Q4 2025 | 77 |
| Q1 2026 | 77 |
| Q2 2026 | 78 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.30% |
| Q3 2024 | 10.38% |
| Q4 2024 | 9.96% |
| Q1 2025 | 9.64% |
| Q2 2025 | 10.17% |
| Q3 2025 | 10.39% |
| Q4 2025 | 9.84% |
| Q1 2026 | 10.13% |
| Q2 2026 | 10.46% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.04% |
| Q3 2024 | 0.04% |
| Q4 2024 | 0.04% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.04% |
| Q4 2025 | 0.02% |
| Q1 2026 | 0.20% |
| Q2 2026 | 0.20% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.56% |
| Q3 2024 | 1.62% |
| Q4 2024 | 1.60% |
| Q1 2025 | 1.71% |
| Q2 2025 | 1.84% |
| Q3 2025 | 1.96% |
| Q4 2025 | 2.06% |
| Q1 2026 | 2.18% |
| Q2 2026 | 2.38% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 78 | $155.3M | 10.46% | 0.20% | 2.38% | 93.0% |
| Q1 2026 | 77 | $166.9M | 10.13% | 0.20% | 2.18% | 83.1% |
| Q4 2025 | 77 | $163.4M | 9.84% | 0.02% | 2.06% | 92.4% |
| Q3 2025 | 78 | $163.8M | 10.39% | 0.04% | 1.96% | 91.2% |
| Q2 2025 | 78 | $154.2M | 10.17% | 0.00% | 1.84% | 91.8% |
| Q1 2025 | 76 | $162.7M | 9.64% | 0.00% | 1.71% | 83.0% |
| Q4 2024 | 75 | $158.6M | 9.96% | 0.04% | 1.60% | 91.5% |
| Q3 2024 | 76 | $148.9M | 10.38% | 0.04% | 1.62% | 94.8% |
| Q2 2024 | 77 | $143.4M | 10.30% | 0.04% | 1.56% | 89.6% |
2,650 peers · $100 million – $1 billion
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 |
|---|---|---|---|---|---|
| Federation BankBank Washington, IA | 83 out of 100, Strong | $155.8M | 10.5% | 0.20% | vs |
| Hiawatha Bank and Trust CompanyBank Hiawatha, IA | 74 out of 100, Strong | $156.9M | 11.0% | 0.22% | vs |
| Boone Bank & Trust Co.Bank Boone, IA | 48 out of 100, Below average | $156.9M | 9.7% | 2.45% | vs |
| Citizens Savings BankBank Spillville, IA | 88 out of 100, Very strong | $151.1M | 15.5% | 0.05% | vs |
| Farmers State BankBank Algona, IA | 76 out of 100, Strong | $150.5M | 12.7% | 0.91% | vs |
| Readlyn Savings BankBank Readlyn, IA | 66 out of 100, Moderate | $148.3M | 19.3% | 3.04% | vs |
Deposit insurance
Is my money safe at Audubon State Bank?
Yes. Audubon State Bank is an FDIC-insured institution (FDIC certificate #5814). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 26.7% of deposits ($34.9M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.46%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.57% (benchmark: 10%).
1 location
Branches
Audubon State Bank lists 1 office in 1 city. Most locations:
- Audubon, IA (1)
Identity & history
Profile
- Legal name
- Audubon State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 5814
- RSSD ID
- 760649
- Primary regulator
- FDIC
- Holding company
- Audubon County Investment Co
- Established
- January 1, 1876
- Headquarters
- 307 Broadway St, Audubon, IA 50025
- Website
- www.audubonstatebank.com
- Employees
- 15
Quick answers
Audubon State Bank: common questions
Is Audubon State Bank FDIC insured?
Yes. Audubon State Bank is an FDIC-insured institution (FDIC certificate #5814). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Audubon State Bank's TellerScore?
78 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 Audubon State Bank ever failed?
There is no failure record for FDIC certificate #5814 in the FDIC failed bank list.
How many branches does Audubon State Bank have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Audubon
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Templeton Savings BankBank Templeton, IA | 93 out of 100, Very strong | $169.6M | 14.5% | 0.00% | vs |
| The First National Bank of ManningBank Manning, IA | 91 out of 100, Very strong | $87.7M | 15.0% | 0.00% | vs |
| FNB BankBank Fontanelle, IA | 91 out of 100, Very strong | $274.6M | 14.5% | 0.02% | vs |
| Crawford County Trust and Savings BankBank Denison, IA | 80 out of 100, Strong | $294.5M | 9.9% | 0.03% | vs |
| Midstates Bank, National AssociationBank Council Bluffs, IA | 79 out of 100, Strong | $653.9M | 11.6% | 0.29% | vs |
| Rolling Hills Bank & TrustBank Atlantic, IA | 77 out of 100, Strong | $484.4M | 11.8% | 0.30% | vs |