Headquartered in La Porte City, Iowa, Cedar Valley Bank & Trust is a state-chartered bank with $126.3M in total assets and $114.5M in deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1906.
Based on its Q2 2026 filing, Cedar Valley Bank & Trust scores 54/100, which we describe as below average. That is higher than only 10% of 2,650 banks with $100 million – $1 billion. Among 226 banks headquartered in Iowa, it ranks 209th. Its strongest component is earnings (76/100; 1.40%), and its lowest is funding & liquidity (34/100; 98% loans-to-deposits, 40% 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 (53 → 54).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 50 |
| Q3 2024 | 50 |
| Q4 2024 | 52 |
| Q1 2025 | 47 |
| Q2 2025 | 53 |
| Q3 2025 | 53 |
| Q4 2025 | 50 |
| Q1 2026 | 47 |
| Q2 2026 | 54 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 7.69% |
| Q3 2024 | 8.12% |
| Q4 2024 | 8.12% |
| Q1 2025 | 8.27% |
| Q2 2025 | 8.57% |
| Q3 2025 | 8.88% |
| Q4 2025 | 8.83% |
| Q1 2026 | 8.93% |
| Q2 2026 | 9.01% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.64% |
| Q3 2024 | 0.69% |
| Q4 2024 | 0.48% |
| Q1 2025 | 1.45% |
| Q2 2025 | 1.01% |
| Q3 2025 | 1.03% |
| Q4 2025 | 1.15% |
| Q1 2026 | 1.66% |
| Q2 2026 | 1.27% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.76% |
| Q3 2024 | 0.77% |
| Q4 2024 | 0.82% |
| Q1 2025 | 1.25% |
| Q2 2025 | 1.32% |
| Q3 2025 | 1.21% |
| Q4 2025 | 1.08% |
| Q1 2026 | 1.23% |
| Q2 2026 | 1.40% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 54 | $126.3M | 9.01% | 1.27% | 1.40% | 98.0% |
| Q1 2026 | 47 | $123.2M | 8.93% | 1.66% | 1.23% | 100.1% |
| Q4 2025 | 50 | $121.4M | 8.83% | 1.15% | 1.08% | 102.7% |
| Q3 2025 | 53 | $120.1M | 8.88% | 1.03% | 1.21% | 121.3% |
| Q2 2025 | 53 | $120.2M | 8.57% | 1.01% | 1.32% | 115.7% |
| Q1 2025 | 47 | $120.7M | 8.27% | 1.45% | 1.25% | 114.0% |
| Q4 2024 | 52 | $120.1M | 8.12% | 0.48% | 0.82% | 113.8% |
| Q3 2024 | 50 | $119.2M | 8.12% | 0.69% | 0.77% | 113.9% |
| Q2 2024 | 50 | $121.5M | 7.69% | 0.64% | 0.76% | 102.9% |
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).
Similar-size banks in Iowa
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First State BankBank Britt, IA | 93 out of 100, Very strong | $125.9M | 17.7% | 0.00% | vs |
| First State BankBank Stuart, IA | 82 out of 100, Strong | $129.7M | 11.9% | 0.03% | vs |
| Pocahontas State BankBank Pocahontas, IA | 71 out of 100, Strong | $122.6M | 26.4% | 1.93% | vs |
| Farmers and Merchants Savings BankBank Iowa City, IA | 83 out of 100, Strong | $122.5M | 13.6% | 0.00% | vs |
| Solon State BankBank Solon, IA | 45 out of 100, Below average | $122.5M | 23.0% | 11.69% | vs |
| Farmers Savings BankBank Wever, IA | 80 out of 100, Strong | $130.5M | 13.7% | 0.27% | vs |
Deposit insurance
Is my money safe at Cedar Valley Bank & Trust?
Yes. Cedar Valley Bank & Trust is an FDIC-insured institution (FDIC certificate #14694). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 40.4% of deposits ($46.3M) 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 9.01%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.67% (benchmark: 10%).
2 locations
Branches
Cedar Valley Bank & Trust lists 2 offices in 2 cities. Most locations:
- La Porte City, IA (1)
- Vinton, IA (1)
HMDA 2025
Mortgage lending
In 2025, Cedar Valley Bank & Trust reported 98 home-loan applications under HMDA (LEI 549300UMP0GPLDSH4L61): 92 originated ($13,970,000 total), 3 denied, and 3 withdrawn or closed by the applicant. Its denial rate on decided applications was 3.2%, 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
- Cedar Valley Bank & Trust
- Former names
- Mt. Auburn Savings Bank
- Type
- State-chartered bank
- FDIC certificate #
- 14694
- RSSD ID
- 1014246
- Primary regulator
- FDIC
- Holding company
- D&d Bancshares Inc
- Established
- July 6, 1906
- Headquarters
- 321 Main St, La Porte City, IA 50651
- Website
- www.cedarvalleybank.com
- Employees
- 18
Quick answers
Cedar Valley Bank & Trust: common questions
Is Cedar Valley Bank & Trust FDIC insured?
Yes. Cedar Valley Bank & Trust is an FDIC-insured institution (FDIC certificate #14694). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Cedar Valley Bank & Trust'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 Cedar Valley Bank & Trust ever failed?
There is no failure record for FDIC certificate #14694 in the FDIC failed bank list.
How many branches does Cedar Valley Bank & Trust have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near La Porte City
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Chelsea Savings BankBank Belle Plaine, IA | 93 out of 100, Very strong | $196.9M | 16.0% | 0.24% | vs |
| Waterloo Firemen'S Credit UnionCredit union Waterloo, IA | 90 out of 100, Very strong | $2.9M | 13.3% | 0.00% | vs |
| Cedar Rapids Bank and Trust CompanyBank Cedar Rapids, IA | 87 out of 100, Very strong | $2.9B | 16.9% | 0.54% | vs |
| Farmers Savings Bank & TrustBank Traer, IA | 81 out of 100, Strong | $212.7M | 10.3% | 0.00% | vs |
| Palo Savings BankBank Palo, IA | 81 out of 100, Strong | $49.2M | 11.7% | 0.19% | vs |
| Cedar Falls Community Credit UnionCredit union Cedar Falls, IA | 80 out of 100, Strong | $251.7M | 15.9% | 0.78% | vs |