TellerScore

FNNB Bank (FDIC certificate #4482) is based in Newton, Iowa. Its Q2 2026 call report shows $109.5M in total assets and $89.3M in deposits and 1 office.

Based on its Q2 2026 filing, FNNB Bank 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 140th. Its strongest component is problem-loan coverage (91/100; 4.4%), and its lowest is capital cushion (47/100; 9.74%).

TellerScore · Q2 2026

Scorecard

Capital cushion47/100
Tier 1 leverage ratio: 9.74%
Loan quality82/100
Noncurrent loans ÷ total loans: 0.55%
Earnings76/100
Return on assets (annualized): 1.41%
Funding & liquidity73/100
Loans ÷ deposits and uninsured-deposit share: 87.1% · 15.3% uninsured
Problem-loan coverage91/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 4.37%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (71 → 70).

TellerScore
646973Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202464
Q3 202467
Q4 202469
Q1 202570
Q2 202571
Q3 202572
Q4 202573
Q1 202669
Q2 202670
Tier 1 leverage ratio
5.00%7.43%9.86%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20247.56%
Q3 20248.44%
Q4 20248.70%
Q1 20258.90%
Q2 20259.06%
Q3 20259.34%
Q4 20259.58%
Q1 20269.86%
Q2 20269.74%
Noncurrent loans
0.00%0.30%0.59%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.00%
Q2 20250.00%
Q3 20250.00%
Q4 20250.00%
Q1 20260.59%
Q2 20260.55%
Return on assets
0.53%0.97%1.41%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.53%
Q3 20240.54%
Q4 20240.60%
Q1 20250.82%
Q2 20250.90%
Q3 20250.99%
Q4 20250.99%
Q1 20261.19%
Q2 20261.41%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202670$109.5M9.74%0.55%1.41%87.1%
Q1 202669$104.6M9.86%0.59%1.19%85.4%
Q4 202573$102.3M9.58%0.00%0.99%75.6%
Q3 202572$104.1M9.34%0.00%0.99%72.9%
Q2 202571$105.4M9.06%0.00%0.90%77.2%
Q1 202570$104.1M8.90%0.00%0.82%72.9%
Q4 202469$107.0M8.70%0.00%0.60%67.4%
Q3 202467$108.1M8.44%0.00%0.54%70.2%
Q2 202464$111.0M7.56%0.00%0.53%72.5%

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 ratio9.74%
26th
Total risk-based capital13.40%
59th
Problem loans0.55%
43rd
Net charge-offs-0.01%
85th
Return on assets1.41%
60th
Net interest margin4.55%
81st
Efficiency ratio66.4%
38th
Loans to deposits87.1%
33rd
Uninsured deposits15.3%
81st
Loan-loss reserves1.04%
31st
Texas ratio4.4%
39th

Similar-size banks in Iowa

InstitutionScoreAssetsCapitalProblem loansCompare
Security State BankBank Algona, IA72 out of 100, Strong$109.8M27.3%2.14%vs
White State BankBank South English, IA73 out of 100, Strong$109.0M11.2%1.31%vs
Maynard Savings BankBank Maynard, IA83 out of 100, Strong$108.4M15.1%1.00%vs
Breda Savings BankBank Breda, IA82 out of 100, Strong$106.0M10.9%0.00%vs
Sibley State BankBank Sibley, IA77 out of 100, Strong$104.4M11.0%0.46%vs
First Community BankBank Newell, IA64 out of 100, Moderate$115.7M9.4%1.32%vs

Deposit insurance

Is my money safe at FNNB Bank?

Yes. FNNB Bank is an FDIC-insured institution (FDIC certificate #4482). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 15.3% of deposits ($13.7M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.74%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.40% (benchmark: 10%).

Check how much of your own balance is covered

1 location

Branches

FNNB Bank lists 1 office in 1 city. Most locations:

  • Newton, IA (1)

All branch addresses and map

Identity & history

Profile

Legal name
FNNB Bank
Former names
The Newton National Bank; First Newton National Bank
Type
State-chartered bank (Fed member)
FDIC certificate #
4482
RSSD ID
242949
Primary regulator
FED
Holding company
United Iowa Bancshares Inc
Established
March 28, 1932
Headquarters
100 N 2nd Ave W, Newton, IA 50208
Employees
15

Quick answers

FNNB Bank: common questions

Is FNNB Bank FDIC insured?

Yes. FNNB Bank is an FDIC-insured institution (FDIC certificate #4482). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is FNNB Bank'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 FNNB Bank ever failed?

There is no failure record for FDIC certificate #4482 in the FDIC failed bank list.

How many branches does FNNB Bank have?

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Newton

InstitutionScoreAssetsCapitalProblem loansCompare
Washington State BankBank Washington, IA78 out of 100, Strong$601.1M12.5%0.49%vs
First State BankBank Lynnville, IA75 out of 100, Strong$384.2M9.8%0.21%vs
Marion County State BankBank Pella, IA75 out of 100, Strong$628.6M10.4%0.27%vs
Leighton State BankBank Pella, IA74 out of 100, Strong$298.2M11.0%0.79%vs
Citizens Savings BankBank Marshalltown, IA74 out of 100, Strong$77.9M9.9%0.00%vs
Great Southern BankBank Reeds Spring, MO73 out of 100, Strong$5.5B11.3%0.02%vs