TellerScore

Dysart State Bank is a state-chartered bank headquartered in Dysart, Iowa, in business for about 92 years. At the end of Q2 2026 it reported $16.5M in total assets and $13.3M in deposits, with 1 office.

Dysart State Bank has a TellerScore of 69 out of 100 (moderate) based on Q2 2026 data — higher than only 37% of its 546 banks with under $100 million in assets. Among 226 banks headquartered in Iowa, it ranks 149th. Earnings contributes the most (100/100, 2.15%); loan quality contributes the least (44/100, 1.68%).

TellerScore · Q2 2026

Scorecard

Capital cushion64/100
Tier 1 leverage ratio: 11.41%
Loan quality44/100
Noncurrent loans ÷ total loans: 1.68%
Earnings100/100
Return on assets (annualized): 2.15%
Funding & liquidity69/100
Loans ÷ deposits and uninsured-deposit share: 91.2% · 6.3% uninsured
Problem-loan coverage80/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 9.88%

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 9 points (78 → 69), mostly because the loan quality component weakened by 56 points.

TellerScore
677481Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202467
Q3 202474
Q4 202474
Q1 202574
Q2 202578
Q3 202581
Q4 202581
Q1 202673
Q2 202669
Tier 1 leverage ratio
5.00%8.21%11.41%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.58%
Q3 20249.16%
Q4 20249.33%
Q1 20259.40%
Q2 20259.59%
Q3 20259.98%
Q4 202510.57%
Q1 202611.06%
Q2 202611.41%
Noncurrent loans
0.00%0.84%1.68%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.12%
Q3 20240.00%
Q4 20240.00%
Q1 20250.00%
Q2 20250.00%
Q3 20250.00%
Q4 20250.00%
Q1 20261.06%
Q2 20261.68%
Return on assets
0.61%1.38%2.15%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.61%
Q3 20241.20%
Q4 20241.15%
Q1 20251.22%
Q2 20251.69%
Q3 20251.89%
Q4 20251.81%
Q1 20261.88%
Q2 20262.15%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202669$16.5M11.41%1.68%2.15%91.2%
Q1 202673$17.1M11.06%1.06%1.88%88.0%
Q4 202581$17.0M10.57%0.00%1.81%86.7%
Q3 202581$18.1M9.98%0.00%1.89%80.3%
Q2 202578$18.5M9.59%0.00%1.69%81.6%
Q1 202574$17.9M9.40%0.00%1.22%82.7%
Q4 202474$17.5M9.33%0.00%1.15%71.8%
Q3 202474$16.7M9.16%0.00%1.20%75.7%
Q2 202467$17.7M8.58%0.12%0.61%71.1%

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 ratio11.41%
34th
Total risk-based capital17.12%
68th
Problem loans1.68%
24th
Net charge-offs-0.02%
88th
Return on assets2.15%
91st
Net interest margin4.78%
82nd
Efficiency ratio52.7%
86th
Loans to deposits91.2%
16th
Uninsured deposits6.3%
89th
Loan-loss reserves1.02%
33rd
Texas ratio9.9%
19th

Similar-size banks in Iowa

InstitutionScoreAssetsCapitalProblem loansCompare
American Trust and Savings BankBank Lowden, IA46 out of 100, Below average$27.8M15.7%30.07%vs
Maxwell State BankBank Maxwell, IA69 out of 100, Moderate$31.7M15.4%1.03%vs
The First National Bank of PrimgharBank Primghar, IA84 out of 100, Strong$36.3M14.3%0.00%vs
Farmers State BankBank Lake View, IA87 out of 100, Very strong$36.7M13.1%0.00%vs
State Bank of SchallerBank Schaller, IA59 out of 100, Moderate$40.6M13.3%3.69%vs
Community State BankBank Paton, IA89 out of 100, Very strong$41.4M20.2%0.00%vs

Deposit insurance

Is my money safe at Dysart State Bank?

Yes. Dysart State Bank is an FDIC-insured institution (FDIC certificate #17441). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 6.3% of deposits ($839K) 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 11.41%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 17.12% (benchmark: 10%).

Check how much of your own balance is covered

1 location

Branches

Dysart State Bank lists 1 office in 1 city. Most locations:

  • Dysart, IA (1)

All branch addresses and map

Identity & history

Profile

Legal name
Dysart State Bank
Type
State-chartered bank
FDIC certificate #
17441
RSSD ID
602842
Primary regulator
FDIC
Holding company
Dysart Bancshares Inc
Established
January 1, 1934
Headquarters
301 Main St, Dysart, IA 52224
Employees
6

Quick answers

Dysart State Bank: common questions

Is Dysart State Bank FDIC insured?

Yes. Dysart State Bank is an FDIC-insured institution (FDIC certificate #17441). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Dysart State Bank's TellerScore?

69 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 Dysart State Bank ever failed?

There is no failure record for FDIC certificate #17441 in the FDIC failed bank list.

How many branches does Dysart State Bank have?

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Dysart

InstitutionScoreAssetsCapitalProblem loansCompare
Chelsea Savings BankBank Belle Plaine, IA93 out of 100, Very strong$196.9M16.0%0.24%vs
Cedar Rapids Bank and Trust CompanyBank Cedar Rapids, IA87 out of 100, Very strong$2.9B16.9%0.54%vs
Benton County State BankBank Blairstown, IA87 out of 100, Very strong$50.8M15.2%0.00%vs
The Watkins Savings BankBank Watkins, IA87 out of 100, Very strong$86.7M14.8%0.00%vs
Farmers Savings Bank & TrustBank Traer, IA81 out of 100, Strong$212.7M10.3%0.00%vs
Heartland Bank and Trust CompanyBank Bloomington, IL80 out of 100, Strong$6.7B11.9%0.19%vs