TellerScore

Headquartered in West Des Moines, Iowa, Bank Iowa is a state-chartered bank (fed member) with $2.3B in total assets and $2.0B in deposits as of Q2 2026. It operates 25 offices. Its charter dates back to 1923.

Bank Iowa has a TellerScore of 54 out of 100 (below average) based on Q2 2026 data — higher than only 12% of its 897 banks with $1 billion – $10 billion. Among 226 banks headquartered in Iowa, it ranks 208th. Problem-loan coverage contributes the most (77/100, 11.4%); capital cushion contributes the least (39/100, 8.94%).

TellerScore · Q2 2026

Scorecard

Capital cushion39/100
Tier 1 leverage ratio: 8.94%
Loan quality54/100
Noncurrent loans ÷ total loans: 1.38%
Earnings72/100
Return on assets (annualized): 1.30%
Funding & liquidity47/100
Loans ÷ deposits and uninsured-deposit share: 89.9% · 36.3% uninsured
Problem-loan coverage77/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 11.37%

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 4 points (50 → 54), mostly because the loan quality component improved by 9 points.

TellerScore
505865Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202460
Q3 202465
Q4 202452
Q1 202553
Q2 202550
Q3 202553
Q4 202553
Q1 202651
Q2 202654
Tier 1 leverage ratio
5.00%7.05%9.10%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.74%
Q3 20248.80%
Q4 20248.87%
Q1 20259.10%
Q2 20258.96%
Q3 20258.67%
Q4 20258.71%
Q1 20268.85%
Q2 20268.94%
Noncurrent loans
0.28%0.97%1.66%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.50%
Q3 20240.28%
Q4 20241.35%
Q1 20251.50%
Q2 20251.66%
Q3 20251.39%
Q4 20251.37%
Q1 20261.58%
Q2 20261.38%
Return on assets
0.98%1.14%1.30%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.98%
Q3 20241.10%
Q4 20241.06%
Q1 20251.23%
Q2 20251.14%
Q3 20251.16%
Q4 20251.19%
Q1 20261.24%
Q2 20261.30%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202654$2.3B8.94%1.38%1.30%89.9%
Q1 202651$2.3B8.85%1.58%1.24%90.3%
Q4 202553$2.4B8.71%1.37%1.19%86.9%
Q3 202553$2.4B8.67%1.39%1.16%85.3%
Q2 202550$2.2B8.96%1.66%1.14%91.3%
Q1 202553$2.2B9.10%1.50%1.23%89.6%
Q4 202452$2.2B8.87%1.35%1.06%92.9%
Q3 202465$2.2B8.80%0.28%1.10%89.3%
Q2 202460$2.1B8.74%0.50%0.98%90.2%

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 ratio8.94%
11th
Total risk-based capital12.10%
33rd
Problem loans1.38%
19th
Net charge-offs0.07%
37th
Return on assets1.30%
55th
Net interest margin3.71%
50th
Efficiency ratio62.1%
40th
Loans to deposits89.9%
41st
Uninsured deposits36.3%
36th
Loan-loss reserves1.35%
76th
Texas ratio11.4%
13th

Similar-size banks in Iowa

InstitutionScoreAssetsCapitalProblem loansCompare
Luana Savings BankBank Luana, IA70 out of 100, Strong$2.3B9.7%0.11%vs
Central BankBank Storm Lake, IA65 out of 100, Moderate$2.3B10.1%0.32%vs
United Bank of IowaBank Ida Grove, IA73 out of 100, Strong$2.5B10.3%0.26%vs
Fidelity Bank & TrustBank Dubuque, IA55 out of 100, Moderate$2.6B9.0%1.26%vs
Quad City Bank and Trust CompanyBank Bettendorf, IA70 out of 100, Strong$2.8B11.0%0.51%vs
Cedar Rapids Bank and Trust CompanyBank Cedar Rapids, IA87 out of 100, Very strong$2.9B16.9%0.54%vs

Deposit insurance

Is my money safe at Bank Iowa?

Yes. Bank Iowa is an FDIC-insured institution (FDIC certificate #14521). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 36.3% of deposits ($716.0M) 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 8.94%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.10% (benchmark: 10%).

Check how much of your own balance is covered

25 locations

Branches

Bank Iowa lists 22 offices in 22 cities. Most locations:

  • Altoona, IA (1)
  • Clarinda, IA (1)
  • Clear Lake, IA (1)
  • Colfax, IA (1)
  • Denison, IA (1)
  • Essex, IA (1)
  • Fredericksburg, IA (1)
  • Fremont, IA (1)
  • Humboldt, IA (1)
  • Johnston, IA (1)
  • Lawler, IA (1)
  • Manilla, IA (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Bank Iowa reported 966 home-loan applications under HMDA (LEI 549300NDNZ6EWP8BJI88): 759 originated ($205,365,000 total), 93 denied, and 93 withdrawn or closed by the applicant. Its denial rate on decided applications was 10.7%, 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
Bank Iowa
Former names
Citizens State Bank
Type
State-chartered bank (Fed member)
FDIC certificate #
14521
RSSD ID
187947
Primary regulator
FED
Holding company
Bank Iowa Corp
Established
March 7, 1923
Headquarters
1225 Jordan Creek Pkwy, West Des Moines, IA 50266
Employees
281

Quick answers

Bank Iowa: common questions

Is Bank Iowa FDIC insured?

Yes. Bank Iowa is an FDIC-insured institution (FDIC certificate #14521). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Bank Iowa's TellerScore?

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

Has Bank Iowa ever failed?

There is no failure record for FDIC certificate #14521 in the FDIC failed bank list.

How many branches does Bank Iowa have?

25 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near West Des Moines

InstitutionScoreAssetsCapitalProblem loansCompare
Lamoure Credit UnionCredit union Lamoure, ND98 out of 100, Very strong$38.8M18.9%0.00%vs
ITS BankBank Johnston, IA98 out of 100, Very strong$45.2M97.5%0.00%vs
Iowa State BankBank Des Moines, IA95 out of 100, Very strong$480.5M15.9%0.00%vs
Journey Credit UnionCredit union Des Moines, IA85 out of 100, Very strong$97.6M16.9%1.11%vs
Serve Credit UnionCredit union Des Moines, IA84 out of 100, Strong$101.3M18.1%0.81%vs
Charter BankBank Johnston, IA83 out of 100, Strong$227.5M11.0%0.00%vs