TellerScore

Defiance State Bank (FDIC certificate #17450) is based in Defiance, Iowa. Its Q2 2026 call report shows $42.6M in total assets and $33.5M in deposits and 2 offices.

Defiance State Bank has a TellerScore of 68 out of 100 (moderate) based on Q2 2026 data — higher than only 33% of its 546 banks with under $100 million in assets. Among 226 banks headquartered in Iowa, it ranks 157th. Problem-loan coverage contributes the most (99/100, 0.6%); earnings contributes the least (49/100, 0.71%).

TellerScore · Q2 2026

Scorecard

Capital cushion49/100
Tier 1 leverage ratio: 9.86%
Loan quality97/100
Noncurrent loans ÷ total loans: 0.08%
Earnings49/100
Return on assets (annualized): 0.71%
Funding & liquidity65/100
Loans ÷ deposits and uninsured-deposit share: 95.3% · 8.9% uninsured
Problem-loan coverage99/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.57%

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 17 points (51 → 68), mostly because the loan quality component improved by 68 points.

TellerScore
516272Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202466
Q3 202468
Q4 202466
Q1 202572
Q2 202551
Q3 202572
Q4 202567
Q1 202668
Q2 202668
Tier 1 leverage ratio
5.00%7.83%10.67%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.39%
Q3 20249.78%
Q4 20249.40%
Q1 20259.66%
Q2 202510.05%
Q3 202510.67%
Q4 202510.00%
Q1 20269.79%
Q2 20269.86%
Noncurrent loans
0.08%1.10%2.12%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.41%
Q3 20240.15%
Q4 20240.13%
Q1 20250.13%
Q2 20252.12%
Q3 20250.11%
Q4 20250.09%
Q1 20260.08%
Q2 20260.08%
Return on assets
0.52%0.87%1.22%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.81%
Q3 20240.73%
Q4 20240.52%
Q1 20251.22%
Q2 20250.88%
Q3 20250.95%
Q4 20250.58%
Q1 20260.69%
Q2 20260.71%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202668$42.6M9.86%0.08%0.71%95.3%
Q1 202668$42.5M9.79%0.08%0.69%94.6%
Q4 202567$41.8M10.00%0.09%0.58%101.5%
Q3 202572$38.9M10.67%0.11%0.95%95.2%
Q2 202551$39.2M10.05%2.12%0.88%89.3%
Q1 202572$41.4M9.66%0.13%1.22%91.1%
Q4 202466$41.3M9.40%0.13%0.52%90.1%
Q3 202468$40.6M9.78%0.15%0.73%90.8%
Q2 202466$40.4M9.39%0.41%0.81%83.6%

546 peers · Under $100 million in assets

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 ratio9.86%
17th
Total risk-based capital0.00%
27th
Problem loans0.08%
64th
Net charge-offs0.00%
58th
Return on assets0.71%
36th
Net interest margin3.93%
52nd
Efficiency ratio80.6%
30th
Loans to deposits95.3%
13th
Uninsured deposits8.9%
82nd
Loan-loss reserves0.62%
11th
Texas ratio0.6%
62nd

Similar-size banks in Iowa

InstitutionScoreAssetsCapitalProblem loansCompare
Cornerstone BankBank Clarinda, IA83 out of 100, Strong$42.0M15.2%0.47%vs
Community State BankBank Paton, IA89 out of 100, Very strong$41.4M20.2%0.00%vs
State Bank of SchallerBank Schaller, IA59 out of 100, Moderate$40.6M13.3%3.69%vs
ITS BankBank Johnston, IA98 out of 100, Very strong$45.2M97.5%0.00%vs
Farmers State BankBank Lake View, IA87 out of 100, Very strong$36.7M13.1%0.00%vs
The First National Bank of PrimgharBank Primghar, IA84 out of 100, Strong$36.3M14.3%0.00%vs

Deposit insurance

Is my money safe at Defiance State Bank?

Yes. Defiance State Bank is an FDIC-insured institution (FDIC certificate #17450). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 8.9% of deposits ($3.0M) are above the $250,000 FDIC insurance limit, below the peer median of 16%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.86%, 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

2 locations

Branches

Defiance State Bank lists 2 offices in 2 cities. Most locations:

  • Defiance, IA (1)
  • Dow City, IA (1)

All branch addresses and map

Identity & history

Profile

Legal name
Defiance State Bank
Type
State-chartered bank
FDIC certificate #
17450
RSSD ID
902645
Primary regulator
FDIC
Holding company
Union Bcorp
Established
September 1, 1951
Headquarters
201 Main Ave, Defiance, IA 51527
Employees
7

Quick answers

Defiance State Bank: common questions

Is Defiance State Bank FDIC insured?

Yes. Defiance State Bank is an FDIC-insured institution (FDIC certificate #17450). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Defiance State Bank's TellerScore?

68 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 Defiance State Bank ever failed?

There is no failure record for FDIC certificate #17450 in the FDIC failed bank list.

How many branches does Defiance State Bank have?

2 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Defiance

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
Crawford County Trust and Savings BankBank Denison, IA80 out of 100, Strong$294.5M9.9%0.03%vs
Midstates Bank, National AssociationBank Council Bluffs, IA79 out of 100, Strong$653.9M11.6%0.29%vs
Farmers Trust & Savings BankBank Earling, IA77 out of 100, Strong$148.1M9.0%0.00%vs
Community BankBank Dunlap, IA76 out of 100, Strong$138.3M11.0%0.28%vs