TellerScore

Availa Bank (FDIC certificate #11771) is based in Carroll, Iowa. Its Q2 2026 call report shows $1.7B in total assets and $1.4B in deposits and 15 offices.

Availa Bank has a TellerScore of 65 out of 100 (moderate) based on Q2 2026 data — higher than only 36% of its 897 banks with $1 billion – $10 billion. Among 226 banks headquartered in Iowa, it ranks 169th. Problem-loan coverage contributes the most (96/100, 1.8%); capital cushion contributes the least (43/100, 9.33%).

TellerScore · Q2 2026

Scorecard

Capital cushion43/100
Tier 1 leverage ratio: 9.33%
Loan quality91/100
Noncurrent loans ÷ total loans: 0.26%
Earnings58/100
Return on assets (annualized): 0.95%
Funding & liquidity55/100
Loans ÷ deposits and uninsured-deposit share: 82.8% · 35.2% uninsured
Problem-loan coverage96/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.81%

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 2 points (63 → 65), mostly because the earnings component improved by 13 points.

TellerScore
566165Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202458
Q3 202456
Q4 202456
Q1 202561
Q2 202563
Q3 202564
Q4 202563
Q1 202665
Q2 202665
Tier 1 leverage ratio
5.00%7.17%9.35%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.09%
Q3 20248.98%
Q4 20249.01%
Q1 20259.16%
Q2 20259.17%
Q3 20259.26%
Q4 20259.35%
Q1 20269.32%
Q2 20269.33%
Noncurrent loans
0.17%0.48%0.78%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.68%
Q3 20240.78%
Q4 20240.77%
Q1 20250.47%
Q2 20250.17%
Q3 20250.18%
Q4 20250.25%
Q1 20260.27%
Q2 20260.26%
Return on assets
0.43%0.69%0.95%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.44%
Q3 20240.43%
Q4 20240.45%
Q1 20250.57%
Q2 20250.62%
Q3 20250.70%
Q4 20250.75%
Q1 20260.94%
Q2 20260.95%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202665$1.7B9.33%0.26%0.95%82.8%
Q1 202665$1.7B9.32%0.27%0.94%83.7%
Q4 202563$1.7B9.35%0.25%0.75%85.3%
Q3 202564$1.7B9.26%0.18%0.70%80.8%
Q2 202563$1.7B9.17%0.17%0.62%81.7%
Q1 202561$1.6B9.16%0.47%0.57%77.6%
Q4 202456$1.6B9.01%0.77%0.45%79.5%
Q3 202456$1.6B8.98%0.78%0.43%77.4%
Q2 202458$1.6B9.09%0.68%0.44%79.5%

897 peers · $1 billion – $10 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).

Capital ratio9.33%
19th
Total risk-based capital13.66%
50th
Problem loans0.26%
72nd
Net charge-offs0.04%
47th
Return on assets0.95%
27th
Net interest margin3.05%
17th
Efficiency ratio60.9%
44th
Loans to deposits82.8%
61st
Uninsured deposits35.2%
38th
Loan-loss reserves1.18%
54th
Texas ratio1.8%
72nd

Similar-size banks in Iowa

InstitutionScoreAssetsCapitalProblem loansCompare
Community State BankBank Ankeny, IA76 out of 100, Strong$1.7B11.7%0.19%vs
Lincoln Savings BankBank Reinbeck, IA27 out of 100, Low$1.7B9.1%4.32%vs
CBI Bank & TrustBank Muscatine, IA64 out of 100, Moderate$1.7B10.2%1.01%vs
The Security National Bank of Sioux City, IowaBank Sioux City, IA81 out of 100, Strong$1.7B12.8%0.26%vs
First Citizens BankBank Mason City, IA81 out of 100, Strong$1.8B12.0%0.16%vs
Farmers State BankBank Waterloo, IA72 out of 100, Strong$1.6B11.2%0.01%vs

Deposit insurance

Is my money safe at Availa Bank?

Yes. Availa Bank is an FDIC-insured institution (FDIC certificate #11771). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 35.2% of deposits ($499.8M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.33%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.66% (benchmark: 10%).

Check how much of your own balance is covered

15 locations

Branches

Availa Bank lists 12 offices in 11 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Availa Bank reported 387 home-loan applications under HMDA (LEI 549300MP1N04YL1TZP61): 331 originated ($63,165,000 total), 19 denied, and 29 withdrawn or closed by the applicant. Its denial rate on decided applications was 5.3%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Availa Bank
Former names
Carroll County State Bank
Type
State-chartered bank
FDIC certificate #
11771
RSSD ID
859141
Primary regulator
FDIC
Holding company
Carroll County Bancshares Inc
Established
January 1, 1870
Headquarters
126 W 6th St, Carroll, IA 51401
Employees
179

Quick answers

Availa Bank: common questions

Is Availa Bank FDIC insured?

Yes. Availa Bank is an FDIC-insured institution (FDIC certificate #11771). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Availa Bank's TellerScore?

65 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Availa Bank ever failed?

There is no failure record for FDIC certificate #11771 in the FDIC failed bank list.

How many branches does Availa Bank have?

15 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Carroll

InstitutionScoreAssetsCapitalProblem loansCompare
Templeton Savings BankBank Templeton, IA93 out of 100, Very strong$169.6M14.5%0.00%vs
The First National Bank of ManningBank Manning, IA91 out of 100, Very strong$87.7M15.0%0.00%vs
Farmers State BankBank Lake View, IA87 out of 100, Very strong$36.7M13.1%0.00%vs
Breda Savings BankBank Breda, IA82 out of 100, Strong$106.0M10.9%0.00%vs
First State BankBank Webster City, IA81 out of 100, Strong$674.3M12.4%0.12%vs
The Shelby County State BankBank Harlan, IA74 out of 100, Strong$523.6M10.0%0.40%vs