TellerScore

BankIowa is a state-chartered bank headquartered in Cedar Rapids, Iowa, in business for about 145 years. At the end of Q2 2026 it reported $846.2M in total assets and $712.7M in deposits, with 13 offices.

Based on its Q2 2026 filing, BankIowa scores 70/100, which we describe as strong. That is higher than only 43% of 2,650 banks with $100 million – $1 billion. Among 226 banks headquartered in Iowa, it ranks 134th. Its strongest component is problem-loan coverage (88/100; 6.1%), and its lowest is funding & liquidity (36/100; 96% loans-to-deposits, 40% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion75/100
Tier 1 leverage ratio: 12.46%
Loan quality67/100
Noncurrent loans ÷ total loans: 1.00%
Earnings84/100
Return on assets (annualized): 1.60%
Funding & liquidity36/100
Loans ÷ deposits and uninsured-deposit share: 96.5% · 40.1% uninsured
Problem-loan coverage88/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 6.11%

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 fell 2 points (72 → 70), mostly because the loan quality component weakened by 27 points.

TellerScore
576675Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202458
Q3 202457
Q4 202466
Q1 202569
Q2 202572
Q3 202569
Q4 202572
Q1 202675
Q2 202670
Tier 1 leverage ratio
5.00%8.74%12.48%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.79%
Q3 202411.09%
Q4 202411.35%
Q1 202511.40%
Q2 202511.70%
Q3 202512.03%
Q4 202512.11%
Q1 202612.48%
Q2 202612.46%
Noncurrent loans
0.18%0.74%1.29%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20241.14%
Q3 20241.29%
Q4 20240.38%
Q1 20250.40%
Q2 20250.18%
Q3 20250.62%
Q4 20250.46%
Q1 20260.45%
Q2 20261.00%
Return on assets
0.81%1.21%1.60%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.81%
Q3 20240.84%
Q4 20240.88%
Q1 20251.10%
Q2 20251.21%
Q3 20251.31%
Q4 20251.39%
Q1 20261.54%
Q2 20261.60%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202670$846.2M12.46%1.00%1.60%96.5%
Q1 202675$836.5M12.48%0.45%1.54%96.0%
Q4 202572$823.6M12.11%0.46%1.39%97.9%
Q3 202569$827.5M12.03%0.62%1.31%100.9%
Q2 202572$821.2M11.70%0.18%1.21%100.5%
Q1 202569$853.2M11.40%0.40%1.10%95.9%
Q4 202466$820.0M11.35%0.38%0.88%99.4%
Q3 202457$832.9M11.09%1.29%0.84%97.7%
Q2 202458$836.3M10.79%1.14%0.81%98.9%

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).

Capital ratio12.46%
70th
Total risk-based capital0.00%
24th
Problem loans1.00%
28th
Net charge-offs-0.06%
97th
Return on assets1.60%
71st
Net interest margin4.14%
61st
Efficiency ratio61.6%
52nd
Loans to deposits96.5%
14th
Uninsured deposits40.1%
10th
Loan-loss reserves1.14%
43rd
Texas ratio6.1%
30th

Similar-size banks in Iowa

InstitutionScoreAssetsCapitalProblem loansCompare
Premier BankBank Rock Valley, IA60 out of 100, Moderate$826.5M9.5%1.51%vs
CUSB BankBank Cresco, IA74 out of 100, Strong$812.1M12.3%0.65%vs
PrimebankBank Le Mars, IA61 out of 100, Moderate$800.6M11.0%1.86%vs
Visionbank of IowaBank Ames, IA64 out of 100, Moderate$896.1M9.4%0.71%vs
Decorah Bank & Trust CompanyBank Decorah, IA74 out of 100, Strong$794.1M10.4%0.49%vs
City State BankBank Norwalk, IA72 out of 100, Strong$787.9M9.4%0.27%vs

Deposit insurance

Is my money safe at BankIowa?

Yes. BankIowa is an FDIC-insured institution (FDIC certificate #17282). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 40.1% of deposits ($285.7M) 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 12.46%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

13 locations

Branches

BankIowa lists 12 offices in 9 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, BankIowa reported 236 home-loan applications under HMDA (LEI 54930038YN5XV3SDVZ83): 207 originated ($48,945,000 total), 16 denied, and 3 withdrawn or closed by the applicant. Its denial rate on decided applications was 6.9%, 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.

Identity & history

Profile

Legal name
BankIowa
Former names
Benton County Savings Bank
Type
State-chartered bank
FDIC certificate #
17282
RSSD ID
737548
Primary regulator
FDIC
Holding company
Fidelity Ban Corp
Established
January 1, 1881
Headquarters
7045 C Ave Ne, Cedar Rapids, IA 52402
Employees
142

Quick answers

BankIowa: common questions

Is BankIowa FDIC insured?

Yes. BankIowa is an FDIC-insured institution (FDIC certificate #17282). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is BankIowa's TellerScore?

70 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 BankIowa ever failed?

There is no failure record for FDIC certificate #17282 in the FDIC failed bank list.

How many branches does BankIowa have?

13 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Cedar Rapids

InstitutionScoreAssetsCapitalProblem loansCompare
Metco Credit UnionCredit union Cedar Rapids, IA92 out of 100, Very strong$58.7M18.8%0.70%vs
Farmers State BankBank Marion, IA91 out of 100, Very strong$1.1B14.4%0.21%vs
Cedar Rapids Bank and Trust CompanyBank Cedar Rapids, IA87 out of 100, Very strong$2.9B16.9%0.54%vs
The Watkins Savings BankBank Watkins, IA87 out of 100, Very strong$86.7M14.8%0.00%vs
Hills Bank and Trust CompanyBank Hills, IA84 out of 100, Strong$4.8B13.4%0.40%vs
Atkins Savings Bank & TrustBank Atkins, IA83 out of 100, Strong$172.2M11.9%0.05%vs