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.

The score has been essentially flat from Q2 2025 to Q2 2026 (60 → 60).

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

Yes. Bank is an FDIC-insured institution (FDIC certificate #14291). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 26.2% of deposits ($50.6M) 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 8.68%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.50% (benchmark: 10%).

Check how much of your own balance is covered

Bank lists 7 offices in 7 cities. Most locations:

• Burlington, IA (1)
• Coralville, IA (1)
• Mediapolis, IA (1)
• Morning Sun, IA (1)
• Oxford, IA (1)
• Wapello, IA (1)
• West Des Moines, IA (1)

All branch addresses and map

In 2025, Bank reported 210 home-loan applications under HMDA (LEI 2549000C5KZ15Q2U9V68): 133 originated ($28,335,000 total), 27 denied, and 50 withdrawn or closed by the applicant. Its denial rate on decided applications was 16.9%, 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.

Legal name

Bank

Former names

Iowa National Bank; Iowa State Bank

Type

State-chartered bank (Fed member)

FDIC certificate #

14291

RSSD ID

952846

Primary regulator

FED

Holding company

Morning Sun Bank Corp

Established

February 13, 1931

Headquarters

409 Highway 61 S, Wapello, IA 52653

Website

www.bank.bank

Employees

34